CMFAS HI Pricing & Underwriting question: Before setting terms

An employee applying for Disability Income Insurance opts for the shortest available deferred (elimination) period. Before setting terms, what is the underwriter most likely to establish, and why?

• A How long the employer will keep paying salary during disability, since a very short deferred period can signal moral hazard
• B Whether the employee smokes, because smoking is the single decisive factor for Disability Income Insurance
• C The employee's net worth, because a short deferred period reduces the benefit payable
• D Nothing further, because a short deferred period lowers the premium and the insurer's risk