*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.