Jocelyn is married and has two children aged four and six. Given that his six-year-old son is severely disabled, Jocelyn wants to be sure that he can provide for him during his lifetime. Jocelyn is currently covered by Employment Insurance disability benefits. He asks his agent whether this protection is sufficient in his situation. Given Jocelyn's needs, what will his agent conclude? a) The protection is sufficient, because there is a 0-day waiting period. b) The protection is sufficient, because benefits are payable to age 65. c) The protection is insufficient, because there is a 120-day waiting period. d) The protection is insufficient, because benefits are only payable for 15 weeks