Please help me with this question

Which of the following is true as it relates to disability insurance? a. From a risk perspective, short-term disability coverage is far more important than long-term coverage. b. As a general rule, an individual's mortality risk is usually much higher than morbidity risk. c. Most individuals should have a minimum 60 to 70 percent of their gross income protected with a disability insurance policy. d. All of the above are correct