Which of the following questions, concerning disability income insurance, are true? 1. Under the "own occupation" definition of disability, the insured is considered disabled if he cannot perform each and every duty of his own occupation. II . Long-term disability insurance provides coverage until normal retirement age, death, or a stated term. III. Premiums are generally waived when the insured becomes disabled. IV. If before-tax dollar fund the premium, benefits will be subject to taxation. 1. III and IV only 1.1. MI, and IV 1. I, and ill only 1.II and IV only 11. III and IV only