Answer:
Interest rates, inflation, unemployment, economic growth, and other factors that affect the general health and well-being of a nation or the regional economy of an organization.
Joined together in a single nation
The answer is D, economic decision making is made by the state or government. Some of examples of command economies include North Korea and the former Soviet Union.
That doesn't give much info but with the info, you stated I would say individual because if it's disability insurance it being individual would maybe mean they can cover more costs than a group could.