LLQP Accident & Sickness · Component 2.1 · 30% of the exam
A group plan's 'pre-existing condition' limitation for LTD typically:
- ADoes not exist, since group coverage is issued without regard to any member's health history
- BExcludes all prior conditions permanently, however long the member remains in the plan
- Denies LTD for a condition treated before coverage began if disability starts within a stated period
- DApplies to health and dental claims only, since LTD is underwritten on the group as a whole
Correct answer: C) Denies LTD for a condition treated before coverage began if disability starts within a stated period
The look-back/look-forward rule protects the plan from members joining with known conditions. After the look-forward period, prior conditions are covered.
Why the other options are wrong
- AIt is standard in group LTD.
- BThe limitation expires after the look-forward period.
- DIt is an LTD provision.
Exam tip
Group LTD pre-ex: treated in X months before → not covered if disabled within Y months after.
Common mistake
Advising a new employee with a health condition that LTD covers them immediately.
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.