IFSE Institute LLQP Exam - Topic 2 Question 8 Discussion

Actual exam question for IFSE Institute's LLQP exam

Question #: 8
Topic #: 2

[All LLQP Questions]

Paulette earns a modest income working as a delivery driver for FastFlowers Inc. in Quebec. The florist company has over 80 employees, 20 of whom are delivery drivers. The employees benefit from a group short- and long-term disability plan. One morning, while delivering flowers, Paulette's truck is struck by a bus. Paulette is taken to the hospital where a doctor deems that she will be unable to work for at least 4 months. Paulette contacts Jade, the human resources manager, to ask her who will pay her disability benefits.

Which of the following answers is CORRECT?

AEmployment insurance (EI).

BHer group insurance.

CSocit de l'assurance automobile du Qubec (SAAQ).

DCommission des normes, de l'quit, de la sant et de la scurit du travail (CNESST).

Show Suggested Answer

Suggested Answer: B

As Paulette is injured during work and is covered by her employer's group disability plan, her disability benefits would be paid out under this group insurance policy. Group disability insurance provides both short- and long-term coverage, as outlined in her employer's benefits plan. This plan typically covers income replacement for non-workplace injuries or illnesses. However, since this was an on-the-job accident, it may be covered by the CNESST, but group insurance often still serves as the primary provider in situations where a workplace injury results in short-term disability exceeding standard workplace injury benefits. The SAAQ would only cover injuries directly related to road accidents within its jurisdiction. Employment insurance (EI) provides general income replacement but is secondary to employer-provided group disability benefits.

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by Whitney at Dec 05, 2024, 01:02 PM

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Rebbecca

4 months ago

I’m not so sure about that, what if she doesn’t qualify?

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Malika

4 months ago

Yeah, group insurance seems like the right answer!

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Micah

4 months ago

Wait, isn't SAAQ only for car accidents?

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Alesia

5 months ago

Definitely not EI, that's for sure!

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Rebecka

5 months ago

I think her group insurance would cover it.

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Dahlia

5 months ago

I’m confused about SAAQ and how it fits in here. Does it cover accidents outside of work?

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Tiara

5 months ago

I think we had a similar question about workplace injuries and benefits, and I want to say it was related to CNESST.

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Ashlyn

5 months ago

I'm not entirely sure, but I feel like EI is more for unemployment rather than disability.

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Benton

6 months ago

I remember discussing the group insurance benefits in class, so I think B might be the right answer.

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Dalene

6 months ago

I'm a little confused by all the different government agencies mentioned. I'll need to review the details carefully to determine which one is responsible for Paulette's disability benefits in this case.

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Leila

6 months ago

I've got a good feeling about this one. Based on the information provided, I think the correct answer is B - her group insurance will cover the disability benefits.

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Stevie

6 months ago

Okay, let's see. The question mentions Paulette is an employee with a group disability plan, so I'm thinking the answer is likely related to that plan rather than something like employment insurance.

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Tonette

6 months ago

Hmm, I'm a bit unsure about this one. I'll need to think through the different options and see which one best fits the scenario described.

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Jesusita

6 months ago

This seems like a straightforward question about disability benefits. I'll need to carefully consider the details provided to determine the correct answer.

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Jerlene

1 year ago

I bet Paulette's going to get a lot of flower puns from her coworkers while she's recovering. 'Bud'-ding disability claims, am I right?

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Skye

1 year ago

C) Socit de l'assurance automobile du Qubec (SAAQ).

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Wilburn

1 year ago

B) Her group insurance.

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Ressie

1 year ago

A) Employment insurance (EI).

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Shizue

1 year ago

D) Commission des normes, de l'quit, de la sant et de la scurit du travail (CNESST). As a delivery driver, Paulette's accident should be covered under workers' compensation.

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Virgie

1 year ago

C) Socit de l'assurance automobile du Qubec (SAAQ).

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Barrie

1 year ago

B) Her group insurance.

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Corrinne

1 year ago

A) Employment insurance (EI).

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Phillip

1 year ago

C) Socit de l'assurance automobile du Qubec (SAAQ). Paulette was involved in a traffic accident, so the SAAQ should be responsible for her disability benefits.

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Denae

1 year ago

C) Socit de l'assurance automobile du Qubec (SAAQ).

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Denae

1 year ago

B) Her group insurance.

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Amie

1 year ago

I believe EI only covers temporary income replacement, not long-term disability benefits like in this case. So, B) Her group insurance seems to be the right answer.

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