LLQP Accident & Sickness · Component 2.2 · 30% of the exam
A DI rider that pays an additional benefit for 'Social Insurance substitute' or 'integrated benefit' works by:
- AReplacing CPP disability entirely, so that the insured need not apply for the government benefit at all
- BPaying in full regardless of any government benefits the insured receives during the claim
- Paying an added monthly amount that is reduced if CPP disability or workers' compensation is paid
- DPaying a lump sum equal to the CPP disability benefits the insured would have received to age 65
Correct answer: C) Paying an added monthly amount that is reduced if CPP disability or workers' compensation is paid
Integrated riders are cheaper because they assume government benefits may offset them. The base benefit remains non-integrated.
Why the other options are wrong
- AIt supplements, not replaces, CPP.
- BThe rider is offset by government benefits.
- DThe integrated rider pays monthly alongside the base benefit, not as a lump sum.
Exam tip
Integrated rider: cheap top-up that government benefits offset.
Common mistake
Assuming an integrated rider pays in full when CPP disability is approved.
What this tests
CISRO competency component 2.2 — 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.