LLQP Accident & Sickness · Component 2.1 · 30% of the exam
Partial disability benefits under an individual DI policy are typically paid when the insured:
- AChanges jobs to one with lighter duties after an injury
- BRetires early because of steadily declining health
- CIs totally disabled but chooses to work part-time from home
- Can do some duties or part-time work, receiving a flat percentage for a limited period
Correct answer: D) Can do some duties or part-time work, receiving a flat percentage for a limited period
Partial disability is defined by duties or time, and pays a fixed fraction for a limited period. It differs from residual disability, which is based on loss of earnings.
Why the other options are wrong
- AA job change is not a disability.
- BRetirement is not a disability.
- CTotal disability pays the full benefit.
Exam tip
Partial = duties/time based, flat percentage, limited period. Residual = earnings based.
Common mistake
Confusing partial with residual disability.
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.