LLQP Accident & Sickness · Component 2.1 · 30% of the exam
A group accidental death and dismemberment plan written on a '24-hour' basis covers:
- AOnly accidents occurring during the member's scheduled working hours at the employer's premises
- BAny death occurring within twenty-four hours of an accident, whatever the underlying cause
- CAccidents occurring within twenty-four hours of the member's shift ending for the day
- Accidents occurring at any time, whether or not the member is at work when they happen
Correct answer: D) Accidents occurring at any time, whether or not the member is at work when they happen
The alternative is an occupational basis limited to work-related accidents, so the distinction decides whether a weekend injury is covered at all.
Why the other options are wrong
- AThat describes occupational coverage, which is the narrower basis.
- BTime limits between accident and death are a separate provision.
- CThe term refers to continuous coverage, not to a window after a shift.
Exam tip
Twenty-four hour means on and off the job.
Common mistake
Assuming every group AD&D plan covers accidents away from work.
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.