please provide explanation with the correct option

Queso 2011 pond Richard look out key person dicabity insurance for his computer engineer, David Manchey benefits after a 60 day waiting period amount to $4,000 a month for 12 Kadert. David remained in coma. I took Richard six months to find a replacement with the came knowledge and skills as David How much did Richard receive from the insurer? 24000 12003 O al 40.000 GU12 36000 0 548000 Od $52.000 Od 560.000 page-123