Identify the Correct Statement About Waiting Periods in Workers' Compensation

Identify the correct statement about waiting periods in workers' compensation.

A) Every jurisdiction has a waiting period before medical benefits for temporary disability can begin.
B) The waiting period has the advantages of giving a financial incentive to work, but it increases administrative costs and the cost of benefits.
C) Moral hazard is created among employees who reach maximum medical improvement just before the time of the retroactive trigger.
D) Hawaii allows retroactive benefits.
E) Waiting periods do not exist for indemnity payments for temporary disabilities.