Liza owns a tax$-$qualified long$-$term care policy. All of the following statements are true EXCEPT:

$($Search Chapter $5)$

a$.$ her coverage will continue as long as she pays the premiums when they're due

b$.$ the premiums she pays for the policy are eligible for the medical expense tax deduction

c$.$ either a cognitive impairment or ADL impairment will trigger payment of policy benefits

d$.$ she was required to purchase inflation protection