Which is not a reason insurers limit disability income benefits to 70% or less of the insured's past earnings?

a) insurers limit the benefits simply because it keeps their expenses down.
b) the full income is not paid in order to reduce malingering.
c) the insurer considers other sources of disability income in order to prevent overinsurance.
d) insurers limit the length of the benefit to encourage the return to work.

Which of the following is true of cultural syndromes of distress? a. it refers to attributing pathological symptoms to normative cultural differences. b. refers to misinterpreting culturally sanctioned behavior as expressions of pathological symptoms. c. it refers to the ways that communities and cultural groups communicate and express their distressing thoughts, behaviors, and emotions. d. it refers to patterns of symptoms that tend to cluster together for individuals in specific cultural groups, communities, or contexts.