dont explain just answer!

Althea and James are living in a common-law relationship. Althea maximized her TFSA contribution for 2020 and James only managed to contribute $2,500 for 2020 . Unfortunately, James passed away in 2020 and he forgot to name a beneficiary. Assuming that Althea is the sole beneficiary of James' estate, what if any can she make as an exempt TFSA contribution this year? a) James' \$2,500 TFSA contribution will be deregistered and added to his income in the year of death. b) Given that Althea and James are in a common-law relationship, Althea should have been named as a beneficiary to be able to transfer James' TFSA assets, depending on her TFSA contribution room. c) Depending on Althea's TFSA contribution room, she will be able to contribute James' $2,500 to her own TFSA. d) With the $2,500 proceeds from James' TFSA, she will be able to contribute the amount to her own TFSA regardless of her TFSA contribution room. Ismail's policy states that in the even that he becomes partially disabled that he will receive 80% of monthly benefits for the first 24 months and thereafter 40% of monthly benefits until normal retirement age or age 65 . This policy statement is known as the a) Term of coverage b) Period of coverage c) Elimination period d) Benefit period