Mia was in a serious car accident when she was a first$-$year student at Concordia. She has had to go through rehabilitation to walk again as well as physiotherapy. Now that she is fully recovered and graduating at the end of this December, she is carefully reviewing her new employer's Disability Insurance Policy. Having been through a long recovery, she is taking Disability Insurance coverage seriously and knows that there are a lot of myths and incorrect statements surrounding disability.

Which statements are true about disability insurance?

I. Disability income insurance pays a monthly benefit in the event that Mia is unable to work as a result of an injury or an illness.

II$.$ Disability insurance under regular occupation is a policy that provides benefits if Mia is unable to perform the duties required by her regular occupation.

III. Disability insurance under "any occupation" is a policy that provides benefits only if Mia cannot perform the duties of any job that fits her education and experience.

IV$.$ Indemnification is the insurance concept of putting Mia back into the same position that she was in prior to the injury or illness.

Select one:

a$.$ I, Il and IlI

$$ b$.$ I and lI

$$ c$.$ All responses

O d$.$ I. IlI. and IV

Oe$.$ Il$,$ III, and IV