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The materials include scenarios for a self-employed individual seeking maximum individual disability coverage, and for a 37-year-old employee evaluating the additional coverage needed when group disability benefits replace 50% of monthly salary after employment insurance ends. A third case addresses business overhead protection when disability would prevent the company from meeting salaries and rent. Each question provides answer choices, correct answers, calculations, explanations, and references to study sections.",{"@graph":69,"@context":114},[70,84,105],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":20,"@type":76,"position":81},"https://docshare.wps.com/document/exam/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/accident-and-sickness-insurance-exam-questions/447172/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/accident-and-sickness-insurance-exam-questions/447172.png","ImageObject",300,407,{"name":92,"@type":93},"Franzy","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-04","2026-09-29",true,{"@type":102,"interactionType":103,"userInteractionCount":8},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108],{"name":109,"@type":110,"acceptedAnswer":111},"In Jérémy’s scenario, why is business overhead expense (BOE) insurance the correct choice?","Question",{"text":112,"@type":113},"BOE coverage helps pay day-to-day business operating costs such as salaries and rent during a period when the owner cannot work, keeping the business afloat until recovery.","Answer","https://schema.org",{"og:url":83,"og:type":116,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":118,"canonical":83},"index,follow",{"doc_id":120,"site_id":62},447172,1791122525,{"code":4,"msg":5,"data":123},{"doc_id":120,"user_id":124,"nickname":92,"user_avatar":125,"doc_module":4,"category_id":19,"category_name":20,"doc_title":65,"doc_description":67,"doc_content":126,"file_id":127,"file_url":128,"file_type":129,"file_size":130,"view_count":8,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":131,"language":132,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":133,"faqs":134,"seo_title":135,"seo_description":67,"update_tm":136,"read_time":137},2336478945519,"https://ap-avatar.wpscdn.com/davatar_085a072bc5b1113ac321206ff7593b45","Accident and Sickness Insurance Examples of exam questions  \nCompetency: Recommend individual and group accident and sickness insurance products adapted to the client’s needs and situation  \nAccident and Sickness Insurance  \nQuestion 1  \nDenis is self-employed. Last year, his business generated total revenues of $250,000 and operating expenses of $120,000 . Denis also received $5,000 in dividends paid by a multinational in which he has shares. He contacts you to purchase the maximum individual disability insurance coverage.  \nIn this situation, what income amount do you use to calculate the maximum benefits Denis will be entitled to?  \na) $255,000 .  \nb) $135,000 .  \nc) $130,000 .  \nd) $125,000 .  \nCorrect answer: b)  \nCalculations: a) $250,000 + $5,000 b) $255,000 – $120 ,000 c) $250 ,000 – $120 ,000 d) $250,000 – $125 ,000  \nExplanations  \nAnswer a: False. This amount consists of Denis’s gross revenues and does not take into account his business’s operating costs.  \nAnswer b: Correct answer. Denis could obtain $135,000 in individual disability insurance coverage, i.e. $250,000 minus $120,000, plus $5,000 representing his investment income.  \nAnswer c: False. This amount does not factor in the investment income, which must be taken into account when analyzing Denis’s needs for disability income replacement insurance.  \nAnswer d: False. This amount does not represent the maximum benefit to which Denis is entitled because it does not include the investment income paid.  \nReferences  \nRelevant section of exam preparation manual: Accident and sickness insurance, 2nd Edition, 2015, section 6.2.2  \nEvaluated competency sub-component in Curriculum: 1.1. Determine the client’s situation  \nAccident and Sickness Insurance  \nQuestion 2  \nMarc-André, 37 years old, participates in his employer’s group insurance plan. The plan provides a long-term disability insurance payable after employment insurance benefits expire and corresponding to 50% of his monthly salary. The disability benefits are nontaxable.  \nWith an annual salary of $60,000 and sole financial support of his 3 children, MarcAndré’s estimated current financial expenses are $3,500/month. If he were to become ill, his personal savings would enable him to meet his financial requirements for 4 months.  \nWhat additional disability insurance coverage should Marc-André take out?  \na) Marc-André does not need additional disability coverage.  \nb) Marc-André should purchase disability insurance of $500 per month with a 4-month waiting period.  \nc) Marc-André should purchase disability insurance of $1,000 per month with a 4-month waiting period.  \nd) Marc-André should purchase disability insurance of $1,500 per month with a 4-month waiting period.  \nCorrect answer: c)  \nExplanations  \nCalculations: After using his four months of Employment Insurance and his personal savings, Marc-André will receive his employer’s plan disability benefit that is equal to $5,000 X .50 = $2,500/month; therefore, Marc-André will need $3,500- $2,500 = $1,000/month.  \nDistractor a) $3,500-70%($5,000) = $3,500- $3,500 = $0  \nDistractor b) $3,500-60%($5,000) = $3,500- $3,000 = $500  \nDistractor d) $3,500-40%($5,000) = $3,500- $2,000 = $1,500  \nAnswer a: False. Four months after the beginning of his disability, Marc-André would only get $2,500/month, or 50% of his monthly salary of $5,000 . With monthly financial needs of $3,500, Marc-André would be short by $1,000/month.  \nAnswer b: False. Since Marc-André would only get $2,500/month four months after the start of his disability and his financial needs are $3,500/month, individual disability insurance of $500/month would increase his income to $3,000/month and he would be short by $500/month.  \nAnswer c: Correct answer. With personal coverage of $1,000/month and group coverage of $2,500/month, or 50% of his monthly salary of $5,000/month, Marc-André would perfectly meet his financial needs of $3,500/month.  \nAnswer d: False. With personal coverage of $1,500/mont","cbCaipoiNa37UBMR","https://ap.wps.com/l/cbCaipoiNa37UBMR","pdf",51958,13,"English","# Question 1\n## Calculations and explanations\n# Question 2\n## Calculations and explanations\n# Question 3\n## Calculations and explanations","[{\"question\":\"In Jérémy’s scenario, why is business overhead expense (BOE) insurance the correct choice?\",\"answer\":\"BOE coverage helps pay day-to-day business operating costs such as salaries and rent during a period when the owner cannot work, keeping the business afloat until recovery.\"}]","Accident and Sickness Insurance - Exam Questions | PDF",1790719115,33]