This plan provides you with income in case you can't work for an extended period of time because of an injury or illness. Effective January 1, 2007, benefits under MMC's Basic and Optional Long Term Disability Plans will be based on your "pre-disability earnings" (e.g. annual base salary, excluding overtime, bonuses, commissions and other extra compensation) in effect prior to your date of disability up to a maximum covered annual base salary of $520,000. If you are approved to receive the Basic Long Term Disability benefit, the Plan provides you with a monthly benefit of 40% of your pre-disability earnings up to a maximum monthly benefit of $17,333. The Company provides you with this basic coverage, and you can choose to purchase additional optional coverage under the Optional Long Term Disability Plan and, if you are eligible, under the Long Term Disability Bonus Income Plan.