Don and Jackie are a married couple and self-employed business owners of the D&J Bakery. The bakery has enjoyed steady success for 8 years and they are at the point where they want to insure themselves to cover against a loss of income and for additional expenses incurred. They are looking for the type of policy which will kick in right away, on the first day. Which of the following statements is correct?

a. If they opt for a first day hospitalization rider, there is a waiting period of 18 to 72 hours before benefits accrue.

b. If they opt for a hospital indemnity rider, there is a waiting period of 24 to 36 hours before benefits accrue.

c. If they opt for a first day hospitalization rider, it will provide a bridge to cover hospitalization costs during the waiting period.

d. If they opt for a hospital indemnity rider, benefits would extend to the term of the base policy.