LLQP Accident & Sickness · Component 2.1 · 30% of the exam
A 'rehabilitation' provision in a DI policy typically:
- AReduces the monthly benefit for as long as the insured is attending a rehabilitation program
- BEnds the claim once the insured has completed an approved retraining or rehabilitation course
- Pays for approved retraining or rehabilitation on top of the disability benefits
- DRequires the insured to accept any position the rehabilitation counsellor recommends or lose benefits
Correct answer: C) Pays for approved retraining or rehabilitation on top of the disability benefits
Rehabilitation benefits align the insured's and insurer's interests in recovery. Participation is usually voluntary under individual policies; group plans may require reasonable cooperation.
Why the other options are wrong
- AIt adds benefits rather than reducing them.
- BIt supports recovery, not termination of the claim.
- DIndividual policies do not compel the insured to work.
Exam tip
Rehabilitation benefit = extra funding for return-to-work programs.
Common mistake
Assuming rehabilitation provisions are punitive.
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.