LLQP Accident & Sickness · Component 3.2 · 25% of the exam
A client in his late fifties asks how long his disability benefit period should run. The recommendation should usually be:
- ATwo years, since a client of his age is unlikely to make a claim that lasts longer
- BFive years, since that is the longest benefit period available to applicants over fifty
- CA lifetime benefit, since a disability at his age is likely to be permanent
- To age sixty-five, matching the point at which his employment income would have ended
Correct answer: D) To age sixty-five, matching the point at which his employment income would have ended
Disability coverage replaces employment income, so the benefit period is aligned with the remaining working years rather than with the client's life expectancy.
Why the other options are wrong
- AA two-year period leaves the most damaging claims unfunded.
- BNo such age-based restriction on benefit periods exists.
- CLifetime benefits are rare and address retirement income, not employment income.
Exam tip
Disability coverage ends where employment income would have ended.
Common mistake
Recommending a short benefit period because the client is close to retirement.
What this tests
CISRO competency component 3.2 — Implement a recommendation adapted to the client's needs and situation — which is weighted at 25% of the Accident & Sickness module. Written against the published curriculum.
More from component 3
- An underwriter assigns a disability applicant to occupational class 2 rather than class 4. The practical effect is that:
- A disability applicant discloses a back condition that resolved four years ago with no recurrence. The likely underwriting outcome is:
- Financial underwriting for an individual disability application exists to:
- A critical illness applicant's mother and sister both had breast cancer before fifty. The underwriter is likely to:
- An applicant for long-term care coverage is seventy-two. The insurer is most likely to require:
- Group long-term disability coverage within the non-evidence maximum is issued without individual medical questions because:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.