which is the right option?

Scooby-Doo recently left his job with a large private detective firm to begin his own detective company. He was able to convert $150,000 of his group life insurance into an individual policy without evidence of insurability, but his group disability coverage was not convertible. Scooby expects an income after expenses of at least $100,000 and applied for disability income replacement coverage of $5,000 a month. He has a small emergency fund, and wondered about a 30-day waiting period. You suggested a 90-day waiting period. Why? Insurance companies will not issue contracts with waiting periods less than 90 days The 90-day waiting period coordinates with CPP and El disability benefits The 30-day waiting period would likely have been very expensive The Insurance Act does not permit waring periods less than 90 days