LLQP Accident & Sickness · Component 2.1 · 30% of the exam
A disability policy defines total disability as the inability to perform the important duties of the insured's own occupation. Under this definition the insured:
- ALoses the benefit as soon as he is capable of any work for which his training and experience fit him
- BMust prove that no employer in his field would consider hiring him in his present condition
- May work in another occupation and still receive the benefit, unless the contract says otherwise
- DMust be confined to his home before the insurer will accept that he is totally disabled
Correct answer: C) May work in another occupation and still receive the benefit, unless the contract says otherwise
A pure own-occupation definition tests only whether the insured can perform his own duties, so earnings from a different occupation do not defeat the claim unless the wording restricts them.
Why the other options are wrong
- AThat is the any-occupation test, which applies under a different definition.
- BThe test is functional capacity in the occupation, not the state of the job market.
- DHouse confinement is not part of any modern definition of total disability.
Exam tip
Pure own occupation ignores what the insured earns elsewhere.
Common mistake
Treating every definition as though work anywhere ends the claim.
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.