Trent is designing a short$-$term disability plan for a manufacturing company. To contain costs for the program, he can add all of the following features to the program EXCEPT

A$)$ holding benefits to a percentage of earnings lower than $100\%$

B$)$ including a bonus plan for workers who return to work as soon as possible

C$)$ extending the waiting period until benefits begin

D$)$ self$-$insuring using a salary continuation plan in combination with shortterm disability insurance