Which of the following is NOT true about Disability Insurance. A. Short Term Disability Insurance (STD) is typically provided by an employer as part of the basic benefits package and covers employees unwilling to work for shorter periods of time, typically 6 months or less. B. In Disability Insurance the "waiting period" before one can receive benefits after a qualifiyin event acts like a "deductible" in other insurance policies. C. The best Long Term Disability (LTD) policies provide for 100% of income replacement should a qualifying covered disability occur. D. Disability Insurance is a good policy to buy as most people are more likely to be disabled and not be able to work, than suffer a premature death