LLQP Accident & Sickness · Component 1.2 · 35% of the exam
A client's group plan includes an Employee Assistance Program. In the review this is:
- ADisability coverage that pays a weekly benefit during short absences
- A counselling and referral service that complements, but does not replace, disability coverage
- CA retirement benefit that accumulates while the member remains employed
- DA benefit with no bearing on the client's protection and safely omitted from the coverage inventory altogether
Correct answer: B) A counselling and referral service that complements, but does not replace, disability coverage
The curriculum lists primary features of a typical EAP under group extended health products. EAPs help prevent and shorten disabilities but pay no income.
Why the other options are wrong
- AAn EAP pays no income; it provides services.
- CIt is not a retirement benefit.
- DIt belongs in the benefits inventory because it supports disability prevention.
Exam tip
EAP = services, not benefits. Note it; do not count it as coverage.
Common mistake
Confusing an EAP with disability coverage.
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.