LLQP Accident & Sickness · Component 1.3 · 35% of the exam
A client's spouse asks whether she would qualify for CPP survivor benefits if the client became disabled. The agent should clarify:
- AOnly after age 65, when the disability benefit converts into the retirement pension
- BYes, because a contributor's disability triggers the survivor's pension for the spouse
- COnly in Quebec, where the QPP pays survivor benefits on a contributor's disability
- No; survivor benefits follow death, while disability triggers CPP disability and a children's benefit
Correct answer: D) No; survivor benefits follow death, while disability triggers CPP disability and a children's benefit
Government programs are event-specific. Disability triggers CPP disability (and children's benefits); death triggers survivor benefits. Articulating needs requires matching the event to the program.
Why the other options are wrong
- AAge is irrelevant to the distinction between death and disability benefits.
- BSurvivor benefits require a death.
- CThe distinction applies under both CPP and QPP.
Exam tip
Disability → CPP disability + children's benefit. Death → survivor benefits.
Common mistake
Mixing up government death and disability benefits.
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.