LLQP Accident & Sickness · Component 4.2 · 10% of the exam
A disability claimant tells the agent she is moving abroad while her claim continues. The agent should explain that:
- ABenefits stop automatically, since disability contracts pay only to residents of Canada
- BThe claim must be closed and reopened once she has settled in the new country
- She must notify the insurer, since some contracts limit benefits payable outside Canada
- DHer provincial health coverage continues abroad and supports the disability claim
Correct answer: C) She must notify the insurer, since some contracts limit benefits payable outside Canada
Residence affects both the practicality of continuing medical evidence and, in some contracts, the period for which benefits are payable outside the country.
Why the other options are wrong
- ABenefits do not stop automatically on a move abroad.
- BA continuing disability is one claim, not two.
- DProvincial health coverage lapses after a period of absence.
Exam tip
A move abroad is a claim event worth reporting.
Common mistake
Assuming a disability benefit follows the claimant anywhere without limit.
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.