Assignment task: Benefits under a disability income policy might be denied for which of the following circumstances? Question options: A) A claim is not filed within 15 days of its occurrence. B) If the insurer suspects a fraudulent claim and declines the claim on that basis. C) A material misrepresentation discovered at claim time involving a fact that would/could have impacted the underwriting decision four years after the policy was issued. D) If the insured commits fraud at time of claim (makes a false claim), the insurer has the right not only to deny the claim, but to cancel the policy.