LLQP Accident & Sickness · Component 4.2 · 10% of the exam
A claimant on a residual disability benefit must provide, in addition to medical proof:
- AWritten permission from the employer confirming the claimant is allowed to work reduced hours
- BA new application for the residual benefit, since it is underwritten separately from total disability
- CNothing else, since the residual benefit is paid as a fixed percentage once medical proof is accepted
- Ongoing proof of earnings, since the benefit is calculated on the percentage of income lost
Correct answer: D) Ongoing proof of earnings, since the benefit is calculated on the percentage of income lost
Residual claims are earnings-based and require financial documentation throughout. The agent should prepare the claimant for the paperwork.
Why the other options are wrong
- AEmployer permission is not a claim requirement.
- BNo new application is needed.
- CEarnings evidence is required.
Exam tip
Residual claim = medical proof + ongoing earnings proof.
Common mistake
Failing to warn self-employed claimants about monthly financial reporting.
What this tests
CISRO competency component 4.2 — Provide customer service during the validity period of the coverage — which is weighted at 10% of the Accident & Sickness module. Written against the published curriculum.
More from component 4
- The agent's role in the claims process is to:
- A client with a non-cancellable DI policy stops paying premiums after a dispute with the insurer about a claim. The agent should warn that:
- When a client moves to another province, the agent should:
- A client asks to reduce the waiting period on his in-force disability policy. The agent should explain that the change:
- A client's disability policy lapsed six weeks ago for non-payment. The agent should:
- A client on claim asks whether she must keep paying premiums. The accurate answer depends on:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.