Zainab is a highly skilled software developer in Artificial Intelligence, spends her days coding and managing innovative AI projects for Apple. Last weekend, while helping her family with some home renovations, she accidentally injured her wrist. The doctors are optimistic about her recovery but have advised that it might take some time before she regains full mobility. This experience has made Zainab consider the importance of disability insurance to safeguard her income if she$$s ever unable to work. She is now reviewing her options and is wondering which of the following statements are true:

I. Disability income insurance pays a monthly benefit in the event that Zainab is unable to work as a result of an injury or an illness.

II$.$ Disability insurance under $$regular occupation$$ is a policy that provides benefits if Zainab is unable to perform the duties required by her regular occupation.

III. Disability insurance under $$any occupation$$ is a policy that provides benefits only if Zainab cannot perform the duties of any job that fits her education and experience.

IV$.$ Indemnification is the insurance concept of putting Zainab back into the same position that she was in prior to the injury or illness.

$$

Question $36$Select one:

a$.$

All responses

b$.$

I and II

c$.$

I, II and III

d$.$

I, III, and IV

e$.$

II $,$ III, and IV