The amount paid is called the benefit. The amount of the benefit varies from policy to policy, but it is usually equal to a portion of your salary before disability and is paid monthly in arrears. The portion varies from policy to policy and can range from 50% to 70% of your total income. Some plans additionally take premiums and overtime into account when determining benefit amounts. In addition, a particular insurance policy may include a monthly limit, especially for people with high incomes. If your existing LTD policy has adjustment provisions, the monthly benefit will increase each year. Some LTD insurance plans offer a fixed monthly amount as an LTD payment rather than a share of income. Our Long Term Disability Lawyer can tell you more.