Parbinder works full-time and belongs to a group plan which includes short and long-term disability with a five-year benefit period and life insurance. Patricia also works full-time, and also belongs to a group plan which offers short and long-term disability. Parbinder and Patricia wish to ensure that their children will be properly taken care of should one of the parents die prematurely or become disabled. Parbinder and Patricia both carry disability insurance through their group insurance plans. Which of the following would be reasons why they might need more disability insurance than they currently carry? Group plans tend to have long waiting periods before any benefits can be collected. Individual disability insurance offers the flexibility to account for changes in income and employment situation. Parbinder could suffer a disability that outlasts his benefit period. Group plans generally have an Any Occ definition of long-term disability