LLQP Accident & Sickness · Component 2.1 · 30% of the exam
A long-term care policy's benefit trigger is most commonly expressed as:
- AReaching a stated age, after which benefits are paid regardless of the insured's condition
- BAdmission to a hospital for a continuous period of at least thirty days
- CA physician's opinion that the insured is unable to work in any gainful occupation at all
- Inability to perform a stated number of activities of daily living, or cognitive impairment
Correct answer: D) Inability to perform a stated number of activities of daily living, or cognitive impairment
Long-term care contracts test function rather than occupation, using activities such as bathing, dressing, feeding, toileting and transferring, with cognitive impairment as a separate trigger.
Why the other options are wrong
- AAge alone never triggers a long-term care benefit.
- BHospital confinement is not a long-term care trigger.
- COccupational tests belong to disability insurance, not long-term care.
Exam tip
Long-term care triggers are functional or cognitive, never occupational.
Common mistake
Applying disability concepts to a long-term care claim.
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.