LUULUUUU L. Gabe is 58 years old and has been dependent on a cane for a couple of years. Gabe fears that he may need long- term care services some day in the future. His net worth is $400,000 and he receives $50,000 per year in a pension. He considers himself to be in excellent health and has never had a serious health scare like a heart attack, stroke, or cancer. He eats lots of bran and exercises regularly. Which of the following policies would you recommend to Gabe? a. Gabe should buy a long-term care policy with a five-year limit and short elimination period without a COLA. b. Gabe needs a disability income policy. c. Gabe should buy a long-term care policy with a long elimination period, lifetime benefits, and a COLA