LLQP Accident & Sickness · Component 2.1 · 30% of the exam
CPP disability benefits stop when the beneficiary:
- ATurns 60, when the disability benefit converts into an early retirement pension
- BMarries or enters a common-law relationship, since a spouse's income is then counted
- CBegins to receive long-term disability benefits from a private group insurance plan
- Turns 65, returns to substantially gainful work, is no longer disabled, or dies
Correct answer: D) Turns 65, returns to substantially gainful work, is no longer disabled, or dies
CPP disability is a bridge to the retirement pension. Receipt of private LTD does not end it (the private plan offsets it instead).
Why the other options are wrong
- ABenefits continue to 65, when they convert to the retirement pension.
- BMarital status is irrelevant to CPP disability.
- CPrivate LTD does not terminate CPP disability; the plan offsets it instead.
Exam tip
CPP disability ends at 65 (→ retirement pension), recovery, return to work, or death.
Common mistake
Telling a client CPP disability continues for life.
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.