LLQP Accident & Sickness · Component 1.2 · 35% of the exam
CPP disability benefits are payable when the contributor:
- AHas been off work for at least two weeks with a physician's note
- BCannot perform the regular duties of the occupation held at the time of disability, as certified by a physician
- Has a severe and prolonged disability preventing regular gainful work, and meets contribution rules
- DReaches 65 and has contributed to CPP for at least ten years
Correct answer: C) Has a severe and prolonged disability preventing regular gainful work, and meets contribution rules
CPP disability uses a strict 'severe and prolonged' test and requires recent contributions. Many disabled workers who qualify for private LTD do not qualify for CPP disability, and those who do find the amount modest.
Why the other options are wrong
- AShort absences do not approach the 'severe and prolonged' test.
- BInability to do one's own job is a private-plan test, not the CPP test.
- DAt 65 the disability benefit converts to the retirement pension; it does not begin then.
Exam tip
CPP disability: severe and prolonged, contribution-based, modest amount, ends at 65.
Common mistake
Assuming anyone on LTD gets CPP disability.
What this tests
CISRO competency component 1.2 — 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.