Liability insurance coverage Question 8 (1 point) Employment Insurance (El) does not provide adequate coverage for a long-term disability because it is only payable in extreme cases of disability it takes a long time to process the application it provides only 20 percent of regular income for the insured it provides benefits for only a 15-week period Question 9 (1 point) The provision that allows the holder of a term policy to convert it to a whole life policy is called 95%