LLQP Accident & Sickness · Component 2.1 · 30% of the exam
A group dental plan typically classifies services as:
- AEmergency and elective, with elective work subject to a longer waiting period after enrolment
- BAdult and child, with children covered at a higher co-insurance level than adults
- Basic, major and orthodontic, each with its own co-insurance and maximum
- DPreventive and restorative, with restorative work excluded during the first plan year
Correct answer: C) Basic, major and orthodontic, each with its own co-insurance and maximum
Tiering by service class lets the plan cover routine care generously and limit costly major and orthodontic work. Fee guides and annual maximums also apply.
Why the other options are wrong
- AEmergency/elective is not the standard tiering.
- BAge is not the classification.
- DPlans classify by basic, major and orthodontic, not by a first-year exclusion.
Exam tip
Dental tiers: basic / major / orthodontic, each with its own co-insurance and maximum.
Common mistake
Assuming major dental work is covered at the same level as cleanings.
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.