Long term disability $($LTD$)$ insurnace policies cover workers who become disabled and can no longer perform ther job functions. Workers who think they qualify as disabled can submit a claim to their employer for LTD paymetns to replace their lost wages. In U$.$S$.$ history, in some years the amount of money a worker would receive was higher $($as a percentage of their wages$)$ than in other years, if the worker qualified for LTD$.$ Some researchers have tested whether moral hazard is present in the instance of LTD policies. If moral hazard is present, what should the researcher expect to occur?

Group of answer choices

In years that workers received higher percentages of their former wages, if they qualified, resulted in more workers applying for LTD$.$

In years that workers received higher percentages of their former wages, if they qualified, resulted in fewer workers applying for LTD$.$

In years that workers received higher percentages of their former wages, if they qualified, resulted in workers taking fewer risks on the job and trying to hide any injury that occurred on the job.

In years that workers received higher percentages of their former wages, if they qualified, resulted in many workers leaving the most dangerous workplaces to seek safer jobs.