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lets talk about executive disability insurance plans and the scatter graph for the purpose of this video Im not going to get into too much detail on plan designs GSI underwriting or things like forms of covered compensation Im going to focus on the basic concept of executive di using a 60 restoration plan as you can see we have a scatter graph the horizontal axis is showing income and the vertical is showing the income replacement ratio of the long-term disability insurance coverages with a 60 plan the goal is to get everyone to sixty percent income replacement since we are discussing executive disability we are only including those whose earnings are over and above the group LTD cap which for this case study the group LTD is 60 up to 10K leaving all employees earning over two hundred thousand dollars underinsured the first step here is to identify the problem each Red Dot represents an executive and their earnings are found on the horizontal axis at the bottom of the graph in red