LLQP Accident & Sickness · Component 2.1 · 30% of the exam
Employment Insurance sickness benefits are available to:
- ASelf-employed workers automatically, since they pay into EI through their annual tax returns
- BAnyone unable to work through illness, whether or not they have recently been employed
- Insured workers with the required hours, for a capped weekly amount and limited weeks
- DRetirees who fall ill, since they contributed to EI throughout their working careers
Correct answer: C) Insured workers with the required hours, for a capped weekly amount and limited weeks
EI sickness is employment-based and time-limited. Self-employed people qualify only if they have opted in to EI special benefits.
Why the other options are wrong
- ASelf-employed workers must opt in to EI special benefits.
- BEligibility requires insurable employment and hours.
- DRetirees are not working and cannot claim sickness benefits.
Exam tip
EI sickness: insured workers, limited weeks, capped; self-employed only if opted in.
Common mistake
Counting EI sickness for a self-employed client who never opted in.
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:
- 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:
- A 'retirement protection' rider on a DI policy:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.