Ted and Gayle, both 47, have been married for 20 years. Gayle has not worked outside of the home since their marriage while Ted is a cabinet-maker. Gayle helps Ted with the billings for his work and places the orders for the specialty woods and mechanical fittings used. Ted has a history of strain and injuries to his lower back and right arm. Gayle has arthritis in her knees and carpal tunnel syndrome in both wrists. Which of the following statements BEST describes Ted and Gayle's prospects concerning disability insurance coverage?

a)		If Ted and Gayle are in the market for a new mortgage, they may be able to obtain Creditor Disability Insurance which may be offered with little, or no, medical underwriting at the time of application.
b)		Ted will likely be eligible for Guaranteed Issue Disability Insurance (DI) given his occupation, while Gayle will not be eligible given her present work status.
c)		If insured, Ted will likely pay higher premiums for disability insurance than Gayle would for the same coverage because historically the number and length of claims is higher for men than for women.
d)		Ted and Gayle may be able to obtain Individual Disability Insurance without medical underwriting if they apply for basic coverage, but medical underwriting will apply to additional coverage over basic.