A successful architect wants to purchase disability income insurance. She is concerned about becoming totally disabled, but also about a reduction in income if she is obliged to reduce her workload because of a less-than-total disability. To satisfy these concerns, which of the following should be included in her disability income coverage?
a. Residual disability benefits
b. A change-of-occupation provision
c. Dismemberment benefits
d. A relation of earnings-to-insurance provision