Pat is a surgical nurse at Toronto General Hospital. She has benefits under the Ontario Nurse's Association which provide her with Short-Term Disability (STD) benefits of 75% of income and Long-Term Disability (LTD) benefits of 60% of income. Under the STD coverage and the first 12 months of LTD coverage, Pat qualifies as being "disabled" if she cannot perform all of the primary duties of her regular occupation, even part of the time. Which type of coverage does Pat have? Oa) Ob) Oc) Od) any occupation regular occupation own occupation total disability