LLQP Accident & Sickness · Component 2.2 · 30% of the exam
A 'child care' or 'dependent care' benefit rider on a CI policy:
- APays the tuition and residence costs of the insured's children while the insured is recovering from the illness
- BWaives the premiums on the CI policy for as long as the insured is caring for a sick child at home
- CCovers the child's own critical illness under the parent's policy at a reduced face amount
- Pays an additional amount for child-care or dependant-care costs during the insured's recovery
Correct answer: D) Pays an additional amount for child-care or dependant-care costs during the insured's recovery
Recovery from serious illness often requires paid care for dependants. The rider adds a targeted amount.
Why the other options are wrong
- AEducation is not the purpose of the rider.
- BWaiver of premium is a separate rider unrelated to dependent care.
- CChild CI covers the child's own illness; this rider covers care costs.
Exam tip
Dependent care rider: extra funds for care during the insured's recovery.
Common mistake
Confusing dependent care riders with child CI.
What this tests
CISRO competency component 2.2 — Analyze the available products that meet the client's needs — which is weighted at 30% of the Accident & Sickness module. Written against the published curriculum.
More from component 2
- A group benefits booklet lists AD&D coverage alongside life and LTD. The AD&D benefit pays:
- A hospital indemnity (hospital cash) policy pays:
- Employment Insurance sickness benefits are available to:
- Which government program coordinates with an individual DI policy through a possible offset AND also affects the definition of insurable income?
- A group plan's 'eligibility waiting period' (probationary period) is:
- A CI policy that is 'convertible' allows the insured to:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.