LLQP Accident & Sickness · Component 1.3 · 35% of the exam
A client asks whether he should insure against the cost of a private room in a long-term care facility. The analysis should note that:
- APrivate accommodation cannot be purchased in a publicly funded facility under provincial rules
- Accommodation costs are charged to the resident and rise with the level of privacy chosen
- CLong-term care insurance reimburses accommodation only after the resident has been assessed as terminal
- DProvincial subsidies cover accommodation in full, so only the medical portion needs funding
Correct answer: B) Accommodation costs are charged to the resident and rise with the level of privacy chosen
Provinces fund the care component but charge residents for accommodation, with higher rates for semi-private and private rooms, so preference translates directly into cost.
Why the other options are wrong
- APrivate and semi-private rooms are offered at higher resident rates.
- CBenefits are triggered by functional or cognitive criteria, not by a terminal prognosis.
- DAccommodation charges are borne by the resident in every province.
Exam tip
Provinces fund care; residents pay for accommodation.
Common mistake
Assuming public funding covers the whole cost of a care facility.
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.