During a Meeting to Discuss Ways to Cut Costs on Benefits

During a meeting to discuss ways to cut costs on benefits packages, the vice president of the company, Ian, suggests getting long-term disability insurance for all employees. Patty, the HR manager, disagrees with him, stating that short-term disability coverage is more advantageous for the company. Which of the following supports Patty's statement?

A) Short-term disability coverage is offered by few employers, which leads to a competitive advantage.
B) Long-term disability coverage does not have any limits on the amount to be paid each month to employees.
C) Short-term disability plans limit maximum coverage in a month, which makes them more affordable for the company.
D) The nature of work is such that the level of risk involved is high and injuries could be permanent.
E) The majority of the workforce is middle-aged and prefers long-term coverage.