LLQP Accident & Sickness · Component 2.1 · 30% of the exam
A group plan member takes a parental leave. Her group life and health coverage will usually:
- AEnd immediately, since coverage depends on the member being at work and earning a salary
- BContinue at double the amount, since a new dependant has joined the member's family
- Continue during the statutory leave, provided the required premiums keep being remitted
- DConvert to an individual policy on the first day of the leave, at individual rates
Correct answer: C) Continue during the statutory leave, provided the required premiums keep being remitted
Employment continues through a statutory leave, so benefits generally continue as well, subject to the plan's rules about who pays the member's share while pay is interrupted.
Why the other options are wrong
- AA statutory leave does not end the employment relationship or the coverage.
- BAmounts follow the plan's formula and do not double on a birth.
- DConversion rights arise when coverage ends, not at the start of a leave.
Exam tip
Leave continues the employment, so it usually continues the benefits.
Common mistake
Telling a member on leave that her group coverage has stopped.
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.