LLQP Accident & Sickness · Component 2.1 · 30% of the exam
A disability policy's 'rehabilitation' provision typically allows the insurer to:
- ARequire the claimant to accept any employment the insurer identifies as suitable for them
- Fund retraining or workplace modifications supporting a return to work, by agreement
- CTerminate benefits as soon as the claimant enrols in any rehabilitation program
- DReduce the benefit by the cost of the rehabilitation services the insurer provides
Correct answer: B) Fund retraining or workplace modifications supporting a return to work, by agreement
Rehabilitation provisions are cooperative by design, since a claimant who returns to work partially or fully benefits both parties, and the claim is usually protected during the attempt.
Why the other options are wrong
- AThe insurer proposes; it cannot direct a claimant into employment.
- CParticipation in rehabilitation does not end a claim.
- DRehabilitation costs are not deducted from the disability benefit.
Exam tip
Rehabilitation provisions support a return to work, they do not force one.
Common mistake
Advising a claimant to refuse rehabilitation to protect 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.