If you have a top-up plan with Baymac you receive 100% of the combined API and Baymac top-up benefit! The top-up portion is limited to 60% of your current monthly salary. For example: your Gross Monthly Salary is $14,000; 60% = $8,400. The API Benefit = $6,800 so the top up available is = $8,400. Also, if you are a member of the Australian Air Pilots Mutual Benefit Fund the API benefit will not be reduced against the MBF. If you have a policy with another company the underwriters will not pay more than the agreed benefit per policy schedule in respect of total disability monthly benefit less any amount received as accident and / or sickness benefit under any state scheme or insurance from any source and / or from their employer as salary, benefit or other compensation.