After looking at BenefitAmount in the xsd (schema), this description is attached to that value. "Value of approved coverage based on the defined plan rules for the enrolling person." Which leads me to believe in this scenario the amount would be $65,000 as that is the "approved coverage based on the defined plan rules".
It's built this way to allow flexibility."Perhaps we should consider the addition of a situational OriginalBenefitAmount field to carry the original, unreduced BenefitAmount." We can continue to discuss the option of a "OriginalBenefitAmount" with committee members in future iterations of the LDEx Standard.