LLQP Accident & Sickness · Component 2.1 · 30% of the exam
A disability contract requires the insured to be under the regular care of a physician. The purpose of this requirement is to:
- Confirm the disability is genuine and that reasonable treatment is being pursued
- BLimit claims to conditions a family physician rather than a specialist has diagnosed
- CGive the insurer the right to select the treating physician for the duration of the claim
- DEnsure the insurer can contact a doctor who will certify that the claimant has recovered
Correct answer: A) Confirm the disability is genuine and that reasonable treatment is being pursued
The requirement ties the benefit to an ongoing clinical relationship, which both evidences the disability and supports the recovery the contract is designed to encourage.
Why the other options are wrong
- BSpecialist care satisfies the requirement as readily as family practice.
- CThe claimant chooses the treating physician; the insurer may only examine.
- DThe requirement runs throughout the claim rather than existing to end it.
Exam tip
Care of a physician is a continuing condition of the claim.
Common mistake
Letting a claimant stop treatment while benefits continue.
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.