All of the following insureds purchased a long-term care insurance policy after 2000. Based solely on the information given, who does not own a tax-qualified LTCI policy? (Search Chapter 8) a. Barry's LTCI policy offers no nonforfeiture benefit. b. Ashley's LTCI policy began to pay after 90 days of incontinence and the inability to eat unaided. c. Emily's policy began to pay after 90 days of being unable to bathe or dress unaided. d. Chris's policy began to pay when he developed a cognitive impairment