LLQP Accident & Sickness · Component 1.3 · 35% of the exam
A client argues that she does not need long-term care coverage because her children will look after her. The agent should explain that:
- AProvincial home care programs provide unlimited hours once a family caregiver is unavailable
- Family care carries real costs in lost income and may not be sustainable as needs increase
- CFamily care removes the need entirely, so the analysis should record no long-term care exposure
- DLong-term care coverage is unavailable to clients who have children living in the same province
Correct answer: B) Family care carries real costs in lost income and may not be sustainable as needs increase
Informal care is a transfer of cost rather than an elimination of it, and needs frequently outgrow what a working family member can provide without help.
Why the other options are wrong
- APublic home care is rationed and rarely covers the hours a dependent adult requires.
- CThe cost is shifted to the children, not removed from the family.
- DNo such eligibility restriction exists.
Exam tip
Family care is a cost borne by the family, not an absence of cost.
Common mistake
Recording no long-term care need because a client expects family help.
What this tests
CISRO competency component 1.3 — Assess the client's needs and situation — which is weighted at 35% of the Accident & Sickness module. Written against the published curriculum.
More from component 1
- The single most important fact for sizing a client's disability income need is:
- A client's beneficiaries for assets are listed in the fact-finding. Why does this matter for A&S planning?
- A client asks why the agent wants to know how assets are owned (jointly or individually). In the A&S context the answer is:
- A client mentions a back injury five years ago that fully resolved. The agent should:
- Which element of a client's situation most affects the definition of disability that should be recommended?
- Which of the following health facts is most relevant to a client's disability insurance situation?
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.