Dorothy, who is 78 years of age and Derek who is 81 years old are married. They have two children: Winston, who Is 39 years old and Camille who is 41 years old. They also have 3 grandchildren. Suzanne, the eldest, just tumed 16. The family has been discussing the distressing situation concerning Dorothy and Derek's neighbour Dierdre. She has been placed in a care facility due to Alzheimer's disease. Dierdre and her family are finding the costs of the facility ruinous. In light of this, the family has been considering purchasing long-term care (LTC) insurance. Which of the following options would be available to them? a) Dorothy could purchase LTC Insurance where she is the policyowner and Derek is the insured. b) Camille could purchase LTC insurance where she is the policyowner and she and her brother Winston are the insureds. c) Suzanne could purchase LTC insurance where she is the policyowner and Dorothy is the insured. d) Derek could purchase LTC insurance where he is the policy owner and he and Dorothy are the insureds.

Other two previous answers provided, Option A seems to be the most suitable answer. However, it is important to note that Derek, who is 81 years old, may not be eligible for the Long Term Care (LTC) option. Kindly review the options again and let me assist in finding the correct answer.