Rex, a $40-$year$-$old freelance photographer, relies on his income to support his family. He is starting to get serious about finances and has already saved a suitable emergency fund. He is also considering purchasing disability insurance but is unsure whether to choose a policy with a shorter elimination period and higher premiums or a longer elimination period with lower premiums. Which policy option would best suit Rex's situation considering his need for immediate income replacement and affordability?

A

$365-$day elimination period and lower premiums to reduce costs, relying on savings for short$-$term needs.

B

$180-$day elimination period and short benefit period because long$-$term disability is less likely.

C

$90-$day elimination period and moderate premiums to balance immediate needs and affordability.

D

$30-$day elimination period and highe