In the past week, Barbara has become disabled and cannot work. She has a long-term disability policy with an elimination period of 12 months. How will this elimination period affect her coverage?

A) She will never collect any benefits unless she paid 12 months of premiums.
B) She will not collect any benefits until she is disabled for 12 months.
C) She will collect benefits for the next 12 months.
D) She can collect 12 months of benefits over her lifetime.