Drew has a disability income policy that pays a monthly benefit of $$3,000.$ Drew has been disabled for $60$ days, but he only received $$1,500$ from his disability insurance. Which of the following is the probable reason that he only received $$1,500?$

Drew is considered to be only $50\%$ disabled.

The elimination period is $45$ days.

The policy has a deductible of $$1,500.$

The policy has a $50\%$ coinsurance clause.