Bala has a long-term care (LTC) insurance policy with a rider that provides him up to six months (183 days) of coverage for home care at a maximum of $300 a day. The policy's elimination period is 90 days. Which of the following is true about Bala's LTC insurance policy? a. If some of Bala's care days require more than $300 of benefits, the term of the benefits payable could be reduced in order to compensate for the increase in daily benefits. b. Bala's overall maximum benefit for home care offered by the LTC insurance policy is $66,900. c. If some of Bala's care days require less than $300 of benefits, the term of the benefits payable could be extended beyond 183 days until the entire $54,900 of benefits is paid out. d. The LTC insurance policy is not subject to the standard exclusions seen in other insurance policies