LLQP Accident & Sickness · Component 1.2 · 35% of the exam
A client's employer terminated the group health plan last month. For the family's drug coverage the review should identify:
- That an individual health plan may be available, sometimes without evidence if applied for promptly
- BThat the provincial plan automatically replaces the group coverage from the date of termination
- CThat coverage continues for twelve months by law after an employer terminates a group plan
- DThat nothing can be done, since individual health insurance is not sold to former group members
Correct answer: A) That an individual health plan may be available, sometimes without evidence if applied for promptly
Many insurers offer conversion or takeover products for members leaving a terminated plan, and the window for applying without full medical evidence is short.
Why the other options are wrong
- BThe provincial plan does not cover the drug, dental and paramedical items the group plan did.
- CNo statute extends a terminated group health plan for a year.
- DIndividual health plans are widely available, including conversion products.
Exam tip
Conversion windows after a group plan ends are short and worth catching.
Common mistake
Letting a conversion window close before the family applies.
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.