LLQP Accident & Sickness · Component 2.1 · 30% of the exam
Under a 'regular occupation' definition of total disability, the insured is totally disabled if he:
- AIs confined to hospital for longer than the policy's waiting period
- Cannot perform his regular occupation's important duties and is not working elsewhere
- CCannot do any job for which he is reasonably suited by training or experience
- DEarns less than before because his hours or productivity have fallen after an injury
Correct answer: B) Cannot perform his regular occupation's important duties and is not working elsewhere
Regular occupation sits between own-occ and any-occ. The insured must be unable to do their own job and must not be gainfully employed elsewhere. Working in another job ends total disability benefits (partial or residual may apply).
Why the other options are wrong
- AHospitalization is not the test for total disability.
- CThat is the any-occupation test.
- DReduced earnings alone are residual disability, not total.
Exam tip
Regular-occ = own job + not working elsewhere. Own-occ drops the second condition.
Common mistake
Treating regular-occ and own-occ as identical.
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.