This Disability Insurance Policy Provision Coordinates Benefits Under Different Disability

This disability insurance policy provision coordinates benefits under different disability policies by providing for a reduction in benefit payments if the total amount of income payments under all insurance policies covering the loss exceeds earnings at the time disability commences, or exceeds the average earnings for two years preceding disability, whichever is greater.Identify this provision.

A) Coinsurance provision
B) Indemnity provision
C) Average earnings provision
D) stop-loss limit provision
E) coordination of benefits provision