9. Opal works for Acme Inc., a company that manufactures motors for conveyor systems. Workers' Compensation provides coverage to the workers of Acme. Opal $52,000 per year.

Opal is injured in a workplace accident and needs to be off from work for two months. During this time, she received benefits from Workers' Compensation.

What percentage of her income on average will Opal receive in Workers' Compensation benefits?

A. 65 to 75% of her gross income

B. 70% to 80% of her net income

C. 55% to 65% of her gross income

D. 80% to 90% of her net income

10. Alfred is a 39-year-old accountant who is married and has a daughter. Alfred is in good health and has a good family health history without any major disability coverage, his agent recommends that Alfred obtain critical illness (CI) coverage. Alfred is hesitant because he does not want to spend unnecessarily on a product. What riders would alleviate Alfred's concern?

A. Return of premium

B. Hospitalization benefit

C. Waiver of premium

D. Cost of living adjustment