LLQP Accident & Sickness · Component 2.1 · 30% of the exam
A DI policy's 'return to work' benefit or 'transition' benefit is designed to:
- AReplace the rehabilitation provision with a single payment when the insured returns to work
- BEnd coverage once the insured has been back at work for the length of the transition period
- CReduce the benefit as a penalty for returning to work before the physician confirms full recovery
- Cushion the income drop in the first months back at work, often regardless of earnings
Correct answer: D) Cushion the income drop in the first months back at work, often regardless of earnings
Transition benefits smooth the path back to work, complementing residual and rehabilitation provisions.
Why the other options are wrong
- AIt complements rehabilitation; it does not replace it.
- BCoverage continues through the transition.
- CIt rewards, not penalizes, a return to work.
Exam tip
Return-to-work/transition benefits ease the income drop on recovery.
Common mistake
Overlooking return-to-work features when comparing policies.
What this tests
CISRO competency component 2.1 — Analyze the available products that meet the client's needs — which is weighted at 30% of the Accident & Sickness module. Written against the published curriculum.
More from component 2
- A group benefits booklet lists AD&D coverage alongside life and LTD. The AD&D benefit pays:
- A hospital indemnity (hospital cash) policy pays:
- Employment Insurance sickness benefits are available to:
- Which government program coordinates with an individual DI policy through a possible offset AND also affects the definition of insurable income?
- A group plan's 'eligibility waiting period' (probationary period) is:
- A CI policy that is 'convertible' allows the insured to:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.