LLQP Accident & Sickness · Component 2.2 · 30% of the exam
A 'home care' benefit option on an LTC policy:
- AIs always included, since every LTC policy pays wherever the insured happens to receive care
- BReduces the daily benefit by half whenever care is received at home rather than in a facility
- CPays only when care is received in a licensed facility, with care at home specifically excluded
- Pays for nursing, personal support and homemaking received at home, not only in a facility
Correct answer: D) Pays for nursing, personal support and homemaking received at home, not only in a facility
Home care coverage is central to LTC recommendations. Some policies pay a lower amount for home care; comprehensive plans pay the same.
Why the other options are wrong
- AIt may be optional or limited.
- BSome policies pay less for home care, but the option extends where benefits are paid.
- CHome care pays outside facilities; that is its purpose.
Exam tip
Check LTC home-care coverage and whether it pays the full facility amount.
Common mistake
Assuming an LTC policy covers home care at the same level as facility care.
What this tests
CISRO competency component 2.2 — 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.