In general, a state LTC partnership program would be best suited for which of the following individuals, assuming all are equally insurable? (Search Chapter 7)

• a. Karen, age 65, who has no personal assets and whose only income is $1,000 per month from Social Security
• b. Victor, age 65, who has $15,000 in personal assets and whose income is $1,200 per month from Social Security and a $400 monthly pension benefit
• c. Fran, age 65, who has $275,000 in personal assets and whose income is $1,500 from Social Security, a $2,000 per month pension benefit, and $500 per month in passive investment income
• d. Steven, age 65, who has $10 million in personal assets as well as an income of $2,000 from Social Security, a $9,500 per month pension benefit, and $5,000 per month from a 401(k) plan