All of the Following Statements About Group Short-Term Disability Income

All of the following statements about group short-term disability income plans are true EXCEPT

A) Most plans have a short elimination period for accidents but cover sickness from the first day of disability.
B) Disability is usually defined in terms of the employee's own occupation.
C) The amount of disability income benefits typically is equal to some percentage of a worker's normal earnings.
D) Most short-term plans cover nonoccupational disability only.