If total disability (loss-of-time) benefits from all disability income coverage for the same loss exceed the insured's monthly earnings at the time of disability, what is the insurer's liability to the insured?
A) The insurer can cancel the policy, claiming overinsurance.
B) The insurer can reduce the benefits payable by half.
C) The insurer must pay the total benefits as specified in the policy.
D) The insurer must pay the proportionate amount of benefits that the insured's earnings bear to the total benefits.
Ans: D) The insurer must pay the proportionate amount of benefits that the insured's earnings bear to the total benefits.
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