LLQP Accident & Sickness · Component 1.3 · 35% of the exam
Activities of daily living (ADLs) used to trigger LTC benefits typically include:
- ACooking, cleaning, laundry, and managing a schedule of prescription medication
- BDriving, shopping, banking, and using the telephone without assistance
- CWorking, studying, and providing care for dependent family members
- Bathing, dressing, eating, toileting, transferring and continence
Correct answer: D) Bathing, dressing, eating, toileting, transferring and continence
The standard ADLs are the six listed. Policies usually pay when the insured cannot perform two or more without substantial assistance, or has a cognitive impairment.
Why the other options are wrong
- AThose are instrumental activities of daily living, not the ADLs policies use as triggers.
- BDriving and shopping are instrumental activities, not ADLs.
- CWorking is a disability insurance concept; LTC measures self-care.
Exam tip
Six ADLs: bathing, dressing, eating, toileting, transferring, continence. Usually two-of-six triggers benefits.
Common mistake
Confusing ADLs with instrumental activities like cooking.
What this tests
CISRO competency component 1.3 — Assess the client's needs and situation — which is weighted at 35% of the Accident & Sickness module. Written against the published curriculum.
More from component 1
- The single most important fact for sizing a client's disability income need is:
- A client's beneficiaries for assets are listed in the fact-finding. Why does this matter for A&S planning?
- A client asks why the agent wants to know how assets are owned (jointly or individually). In the A&S context the answer is:
- A client mentions a back injury five years ago that fully resolved. The agent should:
- Which element of a client's situation most affects the definition of disability that should be recommended?
- Which of the following health facts is most relevant to a client's disability insurance situation?
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.