LLQP Accident & Sickness · Component 1.3 · 35% of the exam
A client's health coverage comes through her husband's employer, and he retires next year. The need this identifies is:
- Replacement health coverage for the family, since her drug and dental benefits end with his employment
- BDisability income for the husband, since his retirement ends the income the household relies upon
- CA travel policy, since retirees spend more time outside their home province than working families
- DNothing, since a retiring member's family keeps the plan's coverage for life under provincial rules
Correct answer: A) Replacement health coverage for the family, since her drug and dental benefits end with his employment
Dependant coverage rides on the member's status, so the whole family loses drug, dental and paramedical benefits at the moment the member leaves the plan.
Why the other options are wrong
- BRetirement is planned, so there is no disability income to replace.
- CTravel coverage is a narrow, trip-specific need rather than the exposure here.
- DNo provincial rule continues a group plan for a retiree's family.
Exam tip
Dependant coverage ends when the member's coverage ends.
Common mistake
Overlooking the family's health coverage when a member retires.
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.