What is the primary reason for disability insurance companies to indemnify policyholders for only a percentage (e.g., 50\%) of their disability loss? a) Like in property insurance, it is a coinsurance penalty for not buying enough insurance. b) Policyholders do not usually need the full amount of insurance coverage. c) It is intended to protect the insurance company from the increased moral hazard known as malingering (or fraudulently extending the disability). d) None of the above