Your client Claude is a senior executive and he has approached you about additional disability insurance coverage. In your analysis of Claude's insurance needs, you determine that he will need an "own occupation" policy given his executive status. Before you can determine or recommend a solution, you assess Claude's existing coverage from all sources. In your assessment of his existing coverage, which of the following would generally provide coverage on an "own occupation" basis? a) Canada Pension Plan (CPP) coverage. b) Employment Insurance (EI) coverage c) Creditor Disability insurance coverage d) short-term disability coverage under his group plan.