LLQP Accident & Sickness · Component 2.1 · 30% of the exam
A 'recurrent disability' provision generally treats a relapse of the same cause within a stated period (often six months) after return to work as:
- AAn excluded event, because the insured had already been declared recovered by the attending physician
- BA different disability requiring new medical evidence and starting a fresh benefit period
- CA new claim, with a new waiting period to be satisfied before benefits can resume
- A continuation of the original claim, with no new waiting period
Correct answer: D) A continuation of the original claim, with no new waiting period
The provision encourages return-to-work attempts by removing the risk of a fresh waiting period. After the stated period, a relapse is a new claim.
Why the other options are wrong
- AA recurrence within the stated period is covered as a continuation of the claim.
- BIt is treated as the same disability, drawing on the same benefit period.
- CWithin the period it continues the old claim without a new wait.
Exam tip
Recurrent within the stated period = same claim, no new wait.
Common mistake
Advising a claimant that any return to work restarts the waiting period.
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.