*Annual premium for Disability Benefits Insurance is calculated based on an employee's estimated annual wages.
Wages are limited to the first $17,680 each employee earns during a policy period.
If an employee is expected to earn less than $17,680 during the policy period, then the lower amount should be provided.
If an employee is expected to earn more than $17,680, then only the first $17,680
of their wages should be provided.