Adriana, who is self$-$employed, has a comprehensive accident and sickness insurance program, including disability insurance, health insurance and a critical illness policy. Her disability coverage is equal to a maximum of $66\mathrm{.}7\%$ of her $$6,000$ monthly income for a maximum of $24$ months, after allowing for a $60-$day waiting period. The definition of disability is $$any occupation$.$ The critical illness policy covers $10$ conditions and pays a lump sum benefit of $$100,000.$ The health package covers Adriana and her children for prescription drugs, dental and vision care. Because she had incurred significant losses in the early years of her business, Adriana pays taxes at only about a $20\%$ average rate on her net income, a situation that will likely continue for the next five years. She has the following monthly expenses:

Income taxes $$1,200$

Rent $$1,500$

Business overhead $$600$

Groceries $$600$

Utilities $$400$

Loan payments $$1,050$

Automobile $$200$

Clothing $$150$

$$5,700$

What shortfall can you see in Adriana$$s accident and sickness program?

Question $3$ options:

A$)$

She needs individual health coverage on the lives of her children.

B$)$

None, in terms of her current needs.

C$)$

The disability policy should have an $$own occupation$$ definition of disability.

D$)$

She needs additional disability coverage.