Question: Zander has been dealing with a recurring elbow injury that is impacting his ability to work full-time in his manufacturing job. He is able to work half-days, but based on his medical practitioner's advice, he should not be working any more than that or he could risk causing permanent damage. Zander has an individual disability insurance policy, and he receives a benefit based on the amount of income he has lost. What type of rider would Zander's policy have? Question options: a) Any occupation b) Cost of living adjustment c) Residual disability d) Partial disability