please show your work ( calculations)

Stacy and Kyle Crawley have asked for your assistance putting together an insurance plan. They are both 28 years old and have a 3-year-old son and a 1-year-old daughter. They want to make sure they are taking the right steps financially. You will assist them and make recommendations for improving their situation at a meeting with them November 10th. Kyle is an engineer and earns $60,000 a year. Stacy is a pastry chef and earns $50,000 a year. Kyle's life expectancy is 90 years and Stacey's is 95 . They plan on retiring when they are 67 . They are saving 5% of their salary to their 401(k) plans and they get a 3% match. Currently, Kyle has $31,000 in his 401(k) and Stacy has $38,000 in her 401(k) plan. Disability Insurance: 5. Based on this course what type of disability insurance should the Crawley's get? How much? Justify your recommendations from the course materials, you must cite where in the materials you found your justifications Mental/Behavioral Health $0 Imaging (CT/PET Scans, MRIs) Rehabilitative Speech Therapy Rehabilitative Occupational \& Physical Therapy Preventative Care Laboratory Outpatient and Professional Services X-ray and Diagnostic Imaging \begin{tabular}{l} Prescription Drugs \\ \hline Generic Rx \\ Preferred Brand Rx \\ Non Preferred Brand \\ Specialty Drugs \end{tabular} $70 Copay after deductible 30% Coinsurance after deductible Imaging (CTIPET Scans, MRIs) Rehabilitative Speech Therapy \begin{tabular}{rr} 20% coinsurance & $0 \\ $50 copay & $0 \\ $50 copay & $0 \\ $0 & $0 \\ $0 & $0 \\ $0 & $0 \\ In Notwork & Out of Network \\ \hline 20 & \\ $50 & \\ $70 & \\ 20% & \end{tabular} Specialty Drugs Blue Blue Choice Gold PPO 002 BlueShield. Blue Cross Blue Shield of Texas PPO Deductible \begin{tabular}{l} Deductible \\ \hline Coinsurance \\ \hline Out of Pocket Maximum \\ \hline More Details Find a Provider \\ \hline \end{tabular} Stacy and Kyle Crawley have asked for your assistance putting together an insurance plan. They are both 28 years old and have a 3-year-old son and a 1-year-old daughter. They want to make sure they are taking the right steps financially. You will assist them and make recommendations for improving their situation at a meeting with them November 10th. Kyle is an engineer and earns $60,000 a year. Stacy is a pastry chef and earns $50,000 a year. Kyle's life expectancy is 90 years and Stacey's is 95 . They plan on retiring when they are 67 . They are saving 5% of their salary to their 401(k) plans and they get a 3% match. Currently, Kyle has $31,000 in his 401(k) and Stacy has $38,000 in her 401(k) plan. Disability Insurance: 5. Based on this course what type of disability insurance should the Crawley's get? How much? Justify your recommendations from the course materials, you must cite where in the materials you found your justifications Mental/Behavioral Health $0 Imaging (CT/PET Scans, MRIs) Rehabilitative Speech Therapy Rehabilitative Occupational \& Physical Therapy Preventative Care Laboratory Outpatient and Professional Services X-ray and Diagnostic Imaging \begin{tabular}{l} Prescription Drugs \\ \hline Generic Rx \\ Preferred Brand Rx \\ Non Preferred Brand \\ Specialty Drugs \end{tabular} $70 Copay after deductible 30% Coinsurance after deductible Imaging (CTIPET Scans, MRIs) Rehabilitative Speech Therapy \begin{tabular}{rr} 20% coinsurance & $0 \\ $50 copay & $0 \\ $50 copay & $0 \\ $0 & $0 \\ $0 & $0 \\ $0 & $0 \\ In Notwork & Out of Network \\ \hline 20 & \\ $50 & \\ $70 & \\ 20% & \end{tabular} Specialty Drugs Blue Blue Choice Gold PPO 002 BlueShield. Blue Cross Blue Shield of Texas PPO Deductible \begin{tabular}{l} Deductible \\ \hline Coinsurance \\ \hline Out of Pocket Maximum \\ \hline More Details Find a Provider \\ \hline \end{tabular}