All of the Following Statements About Optional Disability Income Benefits

All of the following statements about optional disability income benefits are true EXCEPT

A) Under a cost-of-living rider,benefits are periodically adjusted for inflation.
B) A Social Security rider pays additional benefits if the insured is turned down for Social Security disability benefits.
C) Adding a return of premium rider results in a lower initial premium.
D) Under an option to purchase additional insurance,the insured has the right to buy additional insurance at specified times without evidence of insurability.