$120.$ Denis, age $43,$ is a member of his employer's group insurance plan, which providesdisability protection for $50\%$ of his annual salary of $$60,000.$ Fran$$ois$,$ his $39-$year$-$old spouse, isself$-$employed, has an annual income of $$48,000,$ and no disability protection.As adoptive parents of two teenagers, Denis and Fran$$ois need $$6,000$ a month to meet theirfinancial obligations with respect to such expenses as housing, food, car, clothing andentertainment.Which of the following best characterizes Denis and Fran$$ois$\text{'}$ current protection?a$.$ Denis should increase his group insurance protection to cover $75\%$ of his income.b$.$ The likelihood of Denis and Fran$$ois becoming disabled at the same time is almost zero. So$,$there is no need for additional protection.c$..$ In the event Fran$$ois is disabled and has no monthly income, Denis' income will beinsufficient to meet the couple's financial obligations. It is recommended that Fran$$oistake out insurance to protect up to $60\%$ of his income.d$.$ In the event Denis is disabled, he will receive $$2,500/$month$.$ Along with Fran$$ois$\text{'}$ monthlyincome of $$4,000,$ the couple will have no difficulty meeting their financial obligations, so there isno need for additional protection.