Which of the following statements about individual disability income policies that use a two-part definition of total disability is (are) true?

I. During the initial period of disability, the insured must be unable to perform the duties of any gainful occupation.
II. After the initial period of disability, the insured must be unable to perform the duties of any occupation for which he or she is reasonably fitted by education, training, and experience.
A) I only
B) II only
C) both I and II
D) neither I nor II

Answer: B