You are preparing for a meeting with Damon (37) and Patricia (33) who have been married for 8 years. Having no children, their concern is for themselves in the event that either is disabled for an extended period. Patricia in particular is concerned about financial support if either of them requires long term care. While they are covered by their employers' group plans, they do not have coverage for disability. Which of the following statements is correct?

a)		The duration of a disability claim generally increases with age.
b)		The risk of total disability for men is greater than for women.
c)		The average duration of disability for men is longer than for women.
d)		The average duration of is disability is shorter as age increases.