With regard to the differences between accelerated riders that provide benefits for chronic care and those that provide benefits for qualified long$-$term care, all of the following are true EXCEPT:

a$.$ Recoverable conditions, such as complications following a surgery, would be covered under an LTC rider but may not be eligible for claim under a chronic illness rider.

b$.$ Long$-$term care riders must include certain "consumer protections" that do not have to be included in chronic illness riders.

c$.$ Benefits paid under a chronic illness rider reduce the base policy's death benefit; benefits paid under a qualified long$-$term care rider have no effect on the base policy's death benefit.

d$.$ Chronic illness riders pay benefits as an indemnity; long$-$term care riders can pay their benefits as either an indemnity or as a reimbursement.