Bo was recently hired at Franny's Fabrics, national knitting, and sewing supply warehouse. Bo was pleased to learn that she would be entitled to Franny's comprehensive group plan which includes disability coverage. During the weekend after her start date, Bo fell off her bike and broke her arm. She underwent emergency surgery and was off work for 4 weeks. Bo submitted claims for short-term disability and prescription medicines, but both claims were denied. Which of the following is the CORRECT reason why Bo's claims were denied?

a. Bo had not yet completed the contestability period.

b. Bo had not yet completed the qualification period.

c. Bo had not yet completed the waiting period.

d. Bo had not yet completed the grace period.