LLQP Accident & Sickness · Component 2.1 · 30% of the exam
A long-term care policy that pays for 'home care' typically requires:
- AThat the care be provided without cost by a member of the insured's family
- That the insured meet the same benefit triggers, with care delivered in the insured's residence
- CThat the provincial home care program has first refused to provide the service
- DThat the insured be confined to a licensed facility before any home care benefits will begin
Correct answer: B) That the insured meet the same benefit triggers, with care delivered in the insured's residence
Home care is a place of service rather than a separate trigger, and clients who want to remain at home must check that the contract covers it rather than facility care alone.
Why the other options are wrong
- AReimbursement contracts generally require care from an eligible provider.
- CPrivate benefits are not conditional on a provincial refusal.
- DFacility confinement is not a precondition of home care benefits.
Exam tip
Same triggers, different place of care.
Common mistake
Buying a facility-only contract for a client who wants to stay at home.
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.