Looking For Brilliant Ideas For Insurance Calculation

Hello,

I have a client who is implementing a STD Buy Up plan and offering during open enrollment on ESS.  The buy up plan is based on per pay period salary age.  This is the easy part I can use Table Method ES based on FAGE and apply the rates.  The part where I am stuck is the plan has a cap for those employees who make more than $5000 can not exceed $5000.  I can't put a per pay period amount because of the age ranges.  I can't use any of the life insurance fields because they have already been