Mark (49) and Rosa (46) have approached you about long term care (LTC) insurance. They recently faced financial choices relating to ongoing care for Rosa's mother, now in her late 80s, and they are considering coverage for themselves to avoid the pitfalls that Rosa's mother has endured. They want an LTC policy which will be paid directly to the care provider(s). You inform them that the benefits will be subject to daily and overall limits specified in the contract. Which of the following statements is correct?

a. The benefits for their policy will be paid on a reimbursement basis.

b. The benefits for their policy will be paid on a taxable basis.

c. The benefits for their policy will be paid on an indemnity basis.

d. The benefits for their policy will be paid on a tax-deductible basis.