Comprehensive and Detailed Explanation:
Marc earns $60,000/year ($5,000/month), and Veronique earns $15,000/year ($1,250/month), totaling $6,250/month. Their expenses are $3,000/month. As the primary earner, Marc’s disability poses the greatest risk (Chapter 6:Client Profile).
If Marc is disabled: Veronique’s $1,250 + $0 = $1,250, short $1,750 of $3,000.
If Veronique is disabled: Marc’s $5,000 covers $3,000.
$3,000/month for Marc (60% of his income) plus Veronique’s $1,250 totals $4,250, exceeding $3,000.
Option A: Correct; $3,000/month for Marc ensures expenses are met.
Option B: Incorrect; Veronique’s income is supplementary, not primary.
Option C: Excessive; $4,000/month over-insures Marc.
Option D: Incorrect; LTC is for care costs, not income replacement.
[Reference: LLQP Accident and Sickness Insurance Manual, Chapter 2:Insurance to Protect Income, Chapter 6:Client Profile., ]