LLQP Accident & Sickness · Component 2.2 · 30% of the exam
A 'partial disability' rider (where not built in) typically pays:
- AA reduced benefit for life whenever the insured returns to work part-time after a disability claim
- BA lump sum equal to six months of benefits when the insured returns to work on a part-time basis
- CThe full monthly benefit for as long as the insured continues to work less than full-time hours
- A fixed percentage of the benefit, for a limited period, when the insured can do some duties
Correct answer: D) A fixed percentage of the benefit, for a limited period, when the insured can do some duties
Partial disability riders are simpler and cheaper than residual riders but less generous for long, graduated recoveries.
Why the other options are wrong
- APartial disability benefits are limited to a stated number of months.
- BPartial benefits are paid monthly, not as a lump sum.
- CPartial pays a fraction, not the full benefit.
Exam tip
Partial rider: flat 50%, short period, often after total disability.
Common mistake
Assuming a partial rider covers a slow loss of earnings like a residual rider.
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.