Assume that the appropriate amount of disability income insurance coverage that you will need is $4,000 per month for a five-year disability. Indicate the types of options that you would like for your policy. For example, do you want to be covered only if you have a total disability, or would you also like to be covered if you have a partial disability? If disabled, indicate how long that you would be willing to wait before being covered (e.g. 30, 60, 90, 180, or 365 days) and the reason for the selected time period. Summarize all of your preferences.