Which of the following statements concerning partial-disability benefits is (are) correct?

. . . . I. They tend to discourage persons returning to work before total recovery from a disability.

. . . . II. They are usually payable prior to the period for which an insured qualifies for total-disability benefits.

Select one:

a. II only

b. Neither I nor II

c. Both I and II

d. I only

Please provide a reference.