LLQP Accident & Sickness · Component 4.2 · 10% of the exam
A disability claim typically requires:
- AA telephone call to the insurer's claims line, after which the insurer gathers everything it needs directly
- The claimant's, physician's and employer's statements, plus authorization for records and ongoing proof
- CA copy of the claimant's most recent tax return, since the benefit is calculated on pre-disability income
- DA police report describing the circumstances in which the disabling injury or illness occurred
Correct answer: B) The claimant's, physician's and employer's statements, plus authorization for records and ongoing proof
The three-part claim form is standard. Proof of loss must be furnished within the contractual period (commonly 90 days).
Why the other options are wrong
- AWritten forms are required.
- CIncome evidence may be needed for residual claims but is not the whole claim.
- DPolice reports apply only to accidents involving authorities.
Exam tip
DI claim: claimant + physician + employer statements + authorization.
Common mistake
Submitting an incomplete claim package.
What this tests
CISRO competency component 4.2 — Provide customer service during the validity period of the coverage — which is weighted at 10% of the Accident & Sickness module. Written against the published curriculum.
More from component 4
- The agent's role in the claims process is to:
- A client with a non-cancellable DI policy stops paying premiums after a dispute with the insurer about a claim. The agent should warn that:
- When a client moves to another province, the agent should:
- A client asks to reduce the waiting period on his in-force disability policy. The agent should explain that the change:
- A client's disability policy lapsed six weeks ago for non-payment. The agent should:
- A client on claim asks whether she must keep paying premiums. The accurate answer depends on:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.