You meet with your client, Khalid, for an insurance review and discussion. During the meeting, you recommend that Khalid purchase a disability insurance plan with an $8,000 monthly benefit, an own-occupation definition of disability, a 60-day waiting period, and an automatic coverage enhancement rider. Khalid indicates that, before he agrees, he would like you to explain in more detail how the policy works. Which of the following statements should you offer to Khalid? a) The rider can increase your monthly benefit but only if you're not receiving benefits from the policy b) The policy offers a lower level of coverage than an "any occupation" type policy and has a correspondingly lower premium c) Your $8,000 per month benefit would be taxable as income in the year received d) Automatic coverage enhancement increases the monthly benefit while you are disabled