Use Worksheet 9.2. Bruce Kaplan, a 35-year-old computer programmer, earns $72,000 a year. His monthly take- home pay is $3,750. His wife, Barbara, works part- time at their childrens elementary school but receives no benefits. Under state law, Bruces employer contributes to a workers compensation insurance fund that would provide $2,250 per month for six months if Bruce were disabled and unable to work. a) Use Worksheet 9.2 to calculate Bruces disability insurance needs assuming that he wont qualify for Medicare under his Social Security benefits. b) Based on your answer in part a, what would you advise Bruce about his need for additional disability income insurance? Discuss the type (i.e., own-occupation coverage or any-occupation coverage) of disability income insurance coverage that he should consider, including possible provisions that he might want to include