LLQP Accident & Sickness · Component 2.1 · 30% of the exam
An Employee Assistance Program typically provides:
- ARetirement planning services and a supplementary pension for long-serving employees of the sponsor
- Confidential short-term counselling and referral for personal and work problems, at no cost
- CDental care for the employee's family at a preferred network of participating providers
- DA weekly disability income during the first weeks of an illness, before the STD plan begins to pay
Correct answer: B) Confidential short-term counselling and referral for personal and work problems, at no cost
EAPs are service benefits aimed at early intervention, which reduces disability claims. They pay no cash benefit.
Why the other options are wrong
- ARetirement is a pension matter.
- CDental is a separate benefit.
- DAn EAP provides counselling services; it pays no disability income.
Exam tip
EAP = confidential counselling/referral service; supports disability management.
Common mistake
Listing the EAP as an insurance benefit with a dollar value.
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.