Carlos meets with his insurance agent, Harissa, to discuss his disability insurance coverage. When Carlos asks about the difference between the coverage he would get from his individual policy and that available through the CPP disability benefit, which of the following answers is CORRECT?

a) Carlos could obtain CPP disability even if he is able to work in some capacity.
b) Contributions to his CPP will be made solely by his employer.
c) The CPP definition for disability is generally more severe than that of individual policies.
d) At age 65 Carlos may receive both the CPP disability and retirement benefit.