Benefits LTD Calculation

Hi All,

For LTD(Long Term Disablity calculation) Cost. System is calculating based on the Coverage Amount.

Cost = (Coverage Amount / Base Unit) x Cost Factor

In My case : Coverageamount = 60% of Annual salary. System has to calculate based on the Annual salary.

Is there any way for this in config or do we have to do this Badi or Exit.

Thanks

Partha