LLQP Accident & Sickness · Component 4.2 · 10% of the exam
A client begins a disability claim. The notice obligation under the statutory conditions requires that:
- AThe claimant wait until the waiting period has ended before contacting the insurer at all
- BThe claimant's employer file the notice, since the insurer deals with employers rather than claimants
- The insurer be notified in writing within the period stated, even though benefits start later
- DThe claimant obtain legal advice before notifying the insurer, to protect the claim from denial
Correct answer: C) The insurer be notified in writing within the period stated, even though benefits start later
Notice and proof deadlines run from the start of the disability, not from the first payment, so a claimant who waits for the benefit to begin may already be late.
Why the other options are wrong
- AWaiting until the elimination period ends can breach the notice requirement.
- BThe claimant gives notice; an employer's statement is a separate document.
- DLegal advice is not a precondition to notifying an insurer.
Exam tip
Notify promptly; the deadline does not wait for the benefit.
Common mistake
Telling a claimant to call once the waiting period is over.
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.