LLQP Accident & Sickness · Component 4.1 · 10% of the exam
A group member leaves her employer. For her extended health coverage the agent should explain:
- AThat coverage continues for twelve months under provincial legislation after employment ends
- BThat the provincial plan automatically takes over the drug and dental benefits she is losing
- That coverage ends, usually with a short conversion window for an individual health plan
- DThat the new employer's plan must accept her immediately without any waiting period
Correct answer: C) That coverage ends, usually with a short conversion window for an individual health plan
Group health benefits end with membership, and the conversion window is short, so the departing member has to act quickly to avoid an uninsured gap.
Why the other options are wrong
- ANo statute extends group health coverage for a year after termination.
- BThe provincial plan does not cover drugs, dental or paramedical services in the same way.
- DA new employer's plan applies its own eligibility waiting period.
Exam tip
Conversion windows after leaving a group are measured in weeks.
Common mistake
Letting a departing member's conversion window close unnoticed.
What this tests
CISRO competency component 4.1 — Provide customer service during the validity period of the coverage — which is weighted at 10% of the Accident & Sickness module. Written against the published curriculum.
More from component 4
- The agent's role in the claims process is to:
- A client with a non-cancellable DI policy stops paying premiums after a dispute with the insurer about a claim. The agent should warn that:
- When a client moves to another province, the agent should:
- A client asks to reduce the waiting period on his in-force disability policy. The agent should explain that the change:
- A client's disability policy lapsed six weeks ago for non-payment. The agent should:
- A client on claim asks whether she must keep paying premiums. The accurate answer depends on:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.