Fateh (29) and Mahaan (28) are a married couple who live in Prince Albert, Saskatchewan. Fateh works as a farm hand for a local wheat farmer and he operates the farming equipment including combine harvesters, harrows, and tractors. Mahaan has been a dental assistant for 5 years. Both are in their late twenties, non-smokers, and in good health. When they apply for disability insurance, they apply for the same level of disability benefit - $2,500 per month for each of them. Mahaan qualifies for a Non-cancellable regular occupation policy and Fateh qualifies for a Cancellable any occupation policy. Why do they qualify for different coverage?

a)Fateh has a greater chance of becoming disabled because he is male

b)Mahaan would qualify for a similar position whereas Fateh would qualify for any other position

c)Fateh works in a higher risk occupational category than Mahaan

d)Mahaan would have the most probability to want to cancel a policy than Fateh