All of the following statements concerning disability income insurance are correct EXCEPT:

a. Premiums for disability income insurance coverage are a function of the insureds health, gender, age, and the level of income benefits provided by the policy.

b. To qualify for disability income, one must become disabled while the policy is in force and remain so until the elimination (exclusion) period has ended.

c. A policy that integrates with Social Security will reduce payable benefits by the amount of Social Security the disabled person is eligible to receive.

d. The Social Security program requires the disabled person to wait 1 month before receiving benefits.