LLQP Accident & Sickness · Component 2.1 · 30% of the exam
Group short-term disability (STD) plans typically:
- APay to age 65 for any disability that begins while the member is actively employed
- BAre individually underwritten for each employee at the time of enrolment in the plan
- Pay a percentage of weekly earnings for a limited period, bridging to LTD
- DCover accidental injuries only, leaving sickness claims to the long-term disability plan
Correct answer: C) Pay a percentage of weekly earnings for a limited period, bridging to LTD
STD is weekly, short and often employer-funded. Registration under the EI premium reduction program requires benefits at least equal to EI sickness benefits.
Why the other options are wrong
- AThat is the LTD period; STD runs for weeks.
- BGroup STD is not individually underwritten.
- DSTD covers both sickness and accident.
Exam tip
STD: weekly, short waiting period, 15–26 weeks, bridges to LTD.
Common mistake
Confusing STD (weeks) with LTD (years).
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.