Jiang and Vivienne are both radiation oncologists. Jiang is marriedto Andrew and she is the main income-earner in her family. They have to school-aged children, Jake and Emma. Vivienne is single and she cares for her severely disabled brother, Thomas. Neither Jiang nor Vivienne have any insurance or benefits and they approach you about individual disability insurance. Their obligations in terms of debts and expenses are equal and they earn the same income of $80,000. At 60% of income, they would each need a monthly benefit for long-term disability (LTD) of $4,000. However, Andrew is a member of his employer group plan which offers short-term and long-term disability (STD and LTD) insurance. Andrew's LTD monthly benefit is $2,000. Jiang and Andrew might only require $1,000 a month of disability insurance to protect the family in the event of the disability of one or the other. Which of the following statements is correct?
a)Vivienne should require less coverage than $4,000 monthly since her single status should warrant lower financial obligations.
b)It would be prudent for Jiang and Andrew to have coverage higher than a $1,000 monthly benefit in order to guard against eventualities.
c)Jiang should not require coverage since Andrew has enough coverage for the family should either of them become disabled.
d)Vivienne does not need coverage since she is not married and she does not have children who would be appointed as beneficiaries.