Aaron's group benefits provide Long Term Disability (LTD) benefits of a flat $2,000 per month and he approaches you about additional coverage. A personal health questionnaire has been completed and you are examining the results. Which of the following would be considered a significant risk factor and indicator of potential needs and claims for Accident and Sickness insurance?

a)Aaron has allergies.

b)Aaron has an extra toe.

c)Aaron is below average in height.

d)Aaron has diabetes.