A&S Disability Income Insurance question: dispatcher for a utility company

A&SDisability Income Insurance

Tom, 44, an electrician in Sudbury, injures his back and can no longer do electrical work. Given his training and experience, he could work as a dispatcher for a utility company at about 70% of his old pay. His group LTD plan uses an own-occupation definition for the first 24 months and an 'any occupation' definition after that. What happens after 24 months?

A Benefits continue automatically until age 65
B Benefits continue only if he turns down a job
C Benefits may stop, since he can do suitable work
D Benefits increase to make up for his lost wages

Show the answer and explanation

Answer: C. Benefits may stop, since he can do suitable work

Group LTD plans commonly pay for a first period (often 24 months) if the employee cannot do his own job, then switch to an any-occupation test: unable to do any occupation for which he is reasonably suited by education, training or experience. If he can work as a dispatcher, benefits may end. Source: standard Canadian individual disability contract wording (industry practice, as at 12 Oct 2026); CISRO LLQP Curriculum (May 2015), Accident and Sickness module, component 2 (types of contracts and riders) (as at 12 Oct 2026).

Common mistake

Assuming the initial definition lasts to age 65.

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Original study material mapped to the public CISRO curriculum; not a real test question.Not affiliated with CISRO, CCIR or any provincial insurance regulator. Verify figures and rules against current guidance before relying on them.