LLQP Accident & Sickness · Component 2.1 · 30% of the exam
Under an 'own occupation' definition, a surgeon who can no longer operate but takes a full-time teaching position is:
- Totally disabled, because she cannot perform her own occupation's duties
- BNot disabled, because she is gainfully employed in a related medical field
- CDisabled only until her teaching income exceeds what she earned as a surgeon
- DPartially disabled, since she has lost some but not all of her earning capacity
Correct answer: A) Totally disabled, because she cannot perform her own occupation's duties
Own occupation is the most generous definition: inability to perform the material duties of the insured's regular occupation, regardless of other work. It is the definition specialists most value and pay for.
Why the other options are wrong
- BUnder own-occ, working in another occupation does not end the claim.
- COwn-occ does not offset other income.
- DShe meets the total disability definition.
Exam tip
Own-occ: cannot do your own job = total disability, even if working elsewhere.
Common mistake
Applying the 'regular occupation' logic (no other work) to an own-occ policy.
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.