LLQP Accident & Sickness · Component 2.1 · 30% of the exam
Which product pays a benefit to an insured who has a cognitive impairment such as dementia but no physical limitations?
- ATravel medical insurance, which covers the cost of care wherever the insured happens to be living at the time
- BAccidental death and dismemberment, which treats the loss of mental capacity as a scheduled loss
- CDisability insurance, which pays whenever a physician certifies that the insured cannot work
- Long-term care insurance, which treats cognitive impairment as a trigger independent of ADLs
Correct answer: D) Long-term care insurance, which treats cognitive impairment as a trigger independent of ADLs
LTC's dual trigger (ADLs or cognitive impairment) is designed for dementia. DI would end at 65 and requires an occupational test.
Why the other options are wrong
- ATravel insurance is unrelated to ongoing care.
- BAD&D is accident-based and does not cover cognitive decline.
- CDI is occupation-based and ends at 65.
Exam tip
Cognitive impairment is an independent LTC trigger.
Common mistake
Assuming LTC requires physical ADL failure.
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.