Dino, aged $45,$ works in the communications field. During the past two years, he has had to take care of his sick father, who remained paralyzed on the left side after a stroke. Not having the financial means to put him in a nursing home, Dino took care of his father himself, putting his career on hold. His father died a few weeks ago. Now, Dino would like to take measures to spare his wife or children from having to someday face the same kind of financial hardships if he suffered from a condition similar to his father's.

What type of coverage would address Dino's concerns?

$$ Disability insurance with a return of premium rider.

$$ Critical illness insurance with a long$-$term care rider.

$$ Disability insurance with a hospital indemnity rider.

$$ Critical illness insurance with an accidental death and dismemberment rider.