LLQP Accident & Sickness · Component 1.2 · 35% of the exam
A client asks what Employment Insurance provides if she cannot work because of illness. The accurate answer is:
- ANothing, because EI is limited to job loss and parental leave
- A limited weekly benefit for a limited number of weeks, not long-term replacement
- CA benefit equal to full salary until she is able to return to work, funded by her own premiums
- DA benefit only if the illness was caused by her work, since EI replaces workers' compensation for non-union employees
Correct answer: B) A limited weekly benefit for a limited number of weeks, not long-term replacement
EI sickness benefits are short-term and capped. They are a resource in the early months of disability but do not address long-term needs. The curriculum lists EI among government coverage.
Why the other options are wrong
- AEI sickness benefits exist for eligible workers who cannot work through illness.
- CEI is capped in amount and duration; it never replaces full salary.
- DWork injuries fall to workers' compensation; EI sickness covers non-occupational illness and injury.
Exam tip
EI sickness = short-term, capped, eligible workers only. Not a long-term solution.
Common mistake
Counting EI as long-term disability coverage.
What this tests
CISRO competency component 1.2 — 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.