Hank works for a manufacturing firm and has a group policy that includes disability insurance. Hank was drinking and driving and drove his car into a tree. The resulting injuries are serious and will require Hank to take several months off work. Hank submits a claim for disability insurance to cover his income while he is unable to work. Which of the following will be the MOST likely outcome to Hank's disability claim?

a. the claim will not be paid due to the absence of loss

b. the insurer will reduce the monthly benefit amount

c. the insurer will increase the length of Hank's waiting period

d. the claim will not be paid due to an exclusion