Hope is the majority owner and manager of Hope Floats, a medium sized manufacturer of life jackets. Over the past several years, her company has expanded rapidly and now has over 100 employees. Hope would like to offer her employees a group benefits plan. Hope meets with Callie, who works with Hope to solicit group quotes from different insurers on behalf of the company. Hope would like the company to pay the entire premium for the basic coverage provided. After careful deliberation, Hope decides on a plan from Acadian Alliance Life Insurance Company. Which of the following statements is CORRECT?
a)		Callie is a group broker.
b)		Disability benefits will be tax-free in the hands of employees.
c)		Hope Floats will adjudicate claims and Acadian Alliance will pay claims.
d)		Hope Floats group plan will be a contributory plan.