LLQP Accident & Sickness · Component 1.3 · 35% of the exam
A client asks whether workers' compensation reduces her DI need. The agent should explain:
- ANo, they are unrelated because workers' compensation is an employer-funded program, not insurance
- BYes, completely, because any disability sustained while she is employed is covered by the board
- CWorkers' compensation covers all illness, so only injury coverage remains to be bought privately
- Only for work-related disabilities, a minority; the non-occupational need remains
Correct answer: D) Only for work-related disabilities, a minority; the non-occupational need remains
Most disabilities arise off the job. Workers' compensation is a resource for the occupational subset. The need is defined by the non-occupational case.
Why the other options are wrong
- AWorkers' compensation is a partial resource that individual policies offset.
- BOff-the-job disabilities, the majority, are not covered.
- CIt covers only occupational illness and injury.
Exam tip
Workers' comp covers the work-related minority; DI must cover the rest.
Common mistake
Assuming a physically demanding job is protected by workers' compensation alone.
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.