Aaron (25) and Henryk (50) started their job at Broadstreet Candy Makers on the same day. They are both considered skilled Chocolatiers and they have the same position and pay. Both men are non-smokers and in good health when they apply for disability insurance. Assuming that they both complete their applications for disability insurance today, which of the following is a correct statement in respect of their applications for disability insurance?
a)		Henryk is likely to pay a higher premium because he is more probable of becoming totally disabled for a longer period than Aaron.
b)		Aaron is likely to pay a higher premium because the duration of a disability claim generally decreases with age.
c)		Aaron is likely to pay a lower premium because the likelihood of disability occurring decreases with age.
d)		Henryk is likely to pay a lower premium because he is less probable of becoming totally disabled for a longer period than Aaron.