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â¢ Insured Earnings is the earnings as. described in your policy and used to. calculate your employeeâs benefits. â¢ It can vary depending on the definition. you choose for each eligibility group. â¢ Changes to insured earnings become. effective at the Insured Earnings.
-amt. of monthly benefit payable is usually based on a % of insured's past earnings. -common to find limits set at 66% of insured's avg. earning for the 2 year period immediately preceding disability. -most insurers will adjust benefits in accordance with any amounts the insured may be getting from SS or Worker's Comp.