LLQP Accident & Sickness · Component 1.1 · 35% of the exam
A client works remotely from Canada for an employer based in another country. The disability fact-find must establish:
- ANothing beyond his salary, since a Canadian resident is insured on the same basis wherever the employer sits
- Whether the foreign employer's plan covers a Canadian resident, and what his own residency and duties are
- CThat he must be insured by the insurer of his employer's country rather than a Canadian insurer
- DThe foreign employer's claims experience, which determines the occupational class the insurer will apply
Correct answer: B) Whether the foreign employer's plan covers a Canadian resident, and what his own residency and duties are
Cross-border employment raises questions about whether any group coverage extends to him and whether his residence and duties satisfy the Canadian insurer's eligibility rules.
Why the other options are wrong
- AA foreign employer often provides no coverage that reaches a Canadian resident, which changes the gap.
- CA Canadian resident may be insured by a Canadian insurer regardless of the employer's location.
- DOccupational class comes from his own duties, not from an employer's claims record.
Exam tip
Cross-border work means checking both eligibility and the reach of any group plan.
Common mistake
Assuming a foreign employer's benefits follow the employee to Canada.
What this tests
CISRO competency component 1.1 — 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.