1. Nancy owns a home and an automobile. She has property insurance, but does not have disability insurance through her employer. She does not know that much about disability, except that a friend of hers told her that she needed to acquire it. Which of the following are important elements of a disability policy?

   1. The definition of disability.

   2. Coverage for sickness and accidents.

   3. The elimination period.

   4. All of the answers are correct.