LLQP Accident & Sickness · Component 3.2 · 25% of the exam
For a client whose group EHC plan has a lifetime maximum on drug coverage, the recommendation could include:
- Individual catastrophic drug coverage or a provincial catastrophic program for costs above the maximum
- BNothing further, since lifetime maximums are set high enough that very few members ever reach them
- CAdditional disability insurance, since a serious illness would also prevent the client from continuing to work
- DAccidental death coverage, since the client's estate would otherwise bear any drug costs left unpaid
Correct answer: A) Individual catastrophic drug coverage or a provincial catastrophic program for costs above the maximum
Maximums create catastrophic exposure. Provincial programs and individual supplements address it.
Why the other options are wrong
- BA lifetime drug maximum leaves a real catastrophic gap that needs a response.
- CDI is income, not drugs.
- DAccidental death coverage does nothing for drug costs above a plan maximum.
Exam tip
Plan maximums → catastrophic drug supplement or provincial program.
Common mistake
Ignoring plan maximums in the recommendation.
What this tests
CISRO competency component 3.2 — Implement a recommendation adapted to the client's needs and situation — which is weighted at 25% of the Accident & Sickness module. Written against the published curriculum.
More from component 3
- An underwriter assigns a disability applicant to occupational class 2 rather than class 4. The practical effect is that:
- A disability applicant discloses a back condition that resolved four years ago with no recurrence. The likely underwriting outcome is:
- Financial underwriting for an individual disability application exists to:
- A critical illness applicant's mother and sister both had breast cancer before fifty. The underwriter is likely to:
- An applicant for long-term care coverage is seventy-two. The insurer is most likely to require:
- Group long-term disability coverage within the non-evidence maximum is issued without individual medical questions because:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.