Which of the following is true about the option to purchase additional long-term disability income insurance?

1. All insured individuals are entitled to purchase additional coverage at any time if they can afford it.
2. It may be used to keep benefits sufficient during periods of inflation prior to the beginning of a disability claim.
3. It has the opposite purpose of a cost-of-living rider.
4. It designates the insurer as a primary insurer.
5. None of the above.

	a.	All insured individuals are entitled to purchase additional coverage at any time if they can afford it.
	b.	It may be used to keep benefits sufficient during periods of inflation prior to the beginning of a disability claim.
	c.	It has the opposite purpose of a cost-of-living rider.
	d.	It designates the insurer as a primary insurer.
	e.	None of the above.