Myriam works in the human resources department of a small legal and accounting firm. She meets with you to discuss the possibility of implementing a group disability benefits plan for her employees. In particular, Myriam would like to implement group long-term disability (LTD) and short-term disability (STD) plans, and would like to integrate the plans with Employment Insurance (EI) in order to stagger the benefits that will be paid by EI and the STD plan. Which of the following statements CORRECTLY describes how the group plan and EI benefits should be coordinated?

a)The STD plan will be the second payor and will have the same definition of disability as for EI, typically "any occupation".

b)In order to coordinate with EI benefits, STD benefits should resume at the beginning of week 17.

c)In order to coordinate with EI benefits, STD benefits should start after the EI waiting period of 1 week.

d)The STD plan is the second payor of benefits after EI and should begin payments after the 15 week EI benefit period.