44. John and Stella Hinchey, a husband and wife, have just purchased a new home. They have a mortgage of $200,000 on the home. Both John and Stella work for employers who do not offer any employee group benefits. John works as a fee-for-service consultant in environmental engineering. Stella works as an executive assistant. They are expecting their first child in six months. John has an annual income of $60,000, and Stella has an annual income of $30,000. Stella is planning on returning to work six months after having the child. They want to look at an insurance program that will address both their short-term and long-term needs. From the information provided above, which of the following is the best solution to John's disability insurance needs? A John does not require disability insurance B An accident-only disability policy C An individual disability policy that covers both total and partial disability D An individual disability policy that covers both total and residual disability, with a cost-of- living-adjustment (COLA) rider