Ms. Byrd has a long term disability income insurance contract and is disabled. After the 60 day waiting period, she begins receiving the $1,200 per month in benefits. Although this is less than her pre disability income of $2000 per month, she is able m to get along quite nicely. Even though she is not eligible for social security disability benefits, after 2 years the insurer tells her that it is stopping payment under the contract.

1. Why might the insurer stop payment after 2 years?

2. What might Ms. Byrd do to receive payments again?

3. How could she have prevented this problem when she was selecting a disability income policy?