The waiting period in disability income policies:

1. Prevent first-dollar coverage.
2. Has the same effect as a deductible.
3. Reduces the cost of coverage.
4. May apply only when disability is caused by sickness.
5. All of the above.

	a.	Prevent first-dollar coverage.
	b.	Has the same effect as a deductible.
	c.	Reduces the cost of coverage.
	d.	May apply only when disability is caused by sickness.
	e.	All of the above.