I don't have it in front of me, but I recall the fine print on my policy stating that if they cover you, they will only bring your income up to 60% of your sala

I don't have it in front of me, but I recall the fine print on my policy stating that if they cover you, they will only bring your income up to 60% of your salary. If you are receiving other benefits, like social security disability, they subtract that from the payout.