Agent Thomas is meeting with his client Ray to help him determine how much disability insurance he needs. When reviewing Ray's other sources of disability income, Agent Thomas learns that Ray is covered by a short$-$term group disability income policy and also has company sick leave benefits. At

Atte this point, Agent Thomas should

$1$

A$)$ explain that Ray probably has sufficient coverage from the two existing plans

$2$

B$)$ determine the amount of benefits Ray will receive from his existing coverage and encourage him to apply for a policy

$3$

containing twice the amount of such benefits

C$)$ assess the adequacy of the other coverage to determine whether the benefit amounts are sufficient

D$)$ develop a plan that increases his disability income benefits until age $70$ only