Frank earns $$3,000$ per month under an employment contract as an information technology technician. He has worked in similar roles for the same level of compensation for about $4$ years. He is not a member of a group plan and he is concerned about becoming disabled and being unable to earn an income. He wishes to apply for an individual disability income plan.

Based on your knowledge of disability insurance underwriting, what level of monthly benefit will you recommend?

Question $8$ options:

A$)$

A monthly benefit equal to Frank$$s total monthly living expenses.

B$)$

A monthly benefit of $$3,000,$ less $50\%$ of his income tax payable.

C$)$

A monthly benefit of up to $$1,800,$ tax$-$free.

D$)$

A monthly benefit of $$3,000.$