If John Had Disability Insurance Coverage from His Employer That

If John had disability insurance coverage from his employer that was cancelable, but guaranteed renewable, and he was on claim when the annual contract came up for renewal. Which of the following is true?

A) The insurance company could cancel the coverage at the anniversary date.
B) The employer cannot cancel coverage when employees are receiving benefits.
C) The insurance company could increase the premiums and his employer could cancel the coverage.
D) The employer must renew the policy with the same benefits and at the same premium.