• 11 Chapters

    This course goes deep into long-term care so that you not only get CE credits for your state but you gain valuable knowledge.

  • 8 Credits

    In the state of North Carolina, you need 24 credit hours every 2 years. Once you complete this course, we'll send over your passing grade so you get the credit you need.

  • 3-6-5

    Access your courses, certificates, transcript here 365 days a year. Everything you need in one place so you can get back to what matters to you.

Course Curriculum

  • 1
    1. Understanding Long-Term Care
  • 2
    2. Long-Term Care: The Providers and Services
    • 2.1 Overview
    • 2.2 Levels of Long-Term Care
    • 2.3 Long-Term Care Settings
    • 2.4 Home-Based Care
    • 2.5 Community-Based Care
    • 2.6 Facility-Based Care
    • 2.7 Long-Term Care Ombudsman Program
    • 2.8 Summary
    • Chapter 2 Quiz
  • 3
    3. Medicaid and Long-Term Care
    • 3.1 Overview
    • 3.2 Medicaid Spending
    • 3.3 Medicaid 101
    • 3.4 Medicaid and Long-Term Care
    • 3.5 Medicaid’s Income and Asset Requirements
    • 3.6 “Spend Down”
    • 3.7 Spousal Impoverishment Protection
    • 3.8 Estate Recovery
    • 3.9 Summary
    • Chapter 3 Quiz
  • 4
    4. Medicare, Medigap and Long-Term Care
    • 4.1 Overview
    • 4.2 The Four Parts of Medicare
    • 4.3 Medigap Policies
    • 4.4 Medicare and Long-Term Care Coverage
    • 4.5 Medigap and Long-Term Care Coverage
    • 4.6 Summary
    • Chapter 4 Quiz
  • 5
    5. Understanding Long-Term Care Insurance
    • 5.1 Overview
    • 5.2 Long-Term Care Insurance Policies and Coverage
    • 5.3 In the United States
    • 5.4 Who Should Buy Long-Term Care Insurance, and When?
    • 5.5 Individual vs. Group Long-Term Care Insurance
    • 5.6 Tax-Qualified and Non-Tax-Qualified Policies
    • 5.7 Summary
    • Chapter 5 Quiz
  • 6
    6. Long-Term Care Insurance Policy Features and Benefits
    • 6.1 Overview
    • 6.2 LTCI Eligibility Requirements and Benefit Triggers
    • 6.3 LTCI Policy Design: The Benefits
    • 6.4 LTCI Policy Design: Inflation Protection
    • 6.5 Additional LTCI Policy Benefits and Features
    • 6.6 Summary
    • Chapter 6 Quiz
  • 7
    7. Long-Term Care Funding Alternatives
    • 7.1 Overview
    • 7.2 Government Funding
    • 7.3 Self-Funded Long-Term Care Overview
    • 7.4 Home Equity and Reverse Mortgages
    • 7.5 Life Insurance
    • 7.6 Annuities
    • 7.7 Income and Assets
    • 7.8 Health Savings Accounts and Medical Savings Accounts
    • 7.9 Summary
    • Chapter 7 Quiz
  • 8
    8. Understanding Partnership Programs
    • 8.1 Overview
    • 8.2 Partnership Programs 101
    • 8.3 Partnership Program Legislation
    • 8.4 Partnership Programs and Medicaid
    • 8.5 Developing the Framework for Partnership Programs
    • 8.6 Partnership Program Requirements
    • 8.7 Summary
    • Chapter 8 Quiz
  • 9
    9. Partnership-Qualified (PQ) Long-Term Care Insurance Policies
    • 9.1 Overview
    • 9.2 Policy Standards
    • 9.3 Consumer Protection Provisions for PQ Policies
    • 9.4 Minimum Standards for Selling and Marketing PQ Policies
    • 9.5 Summary
    • Chapter 9 Quiz
  • 10
    10. Selling Long-Term Care Insurance
    • 10.1 Overview
    • 10.2 Ethical Considerations
    • 10.3 Unethical Sales and Marketing Practices
    • 10.4 Suitability
    • 10.5 NAIC’s Suitability Standards
    • 10.6 NAIC’s Required Disclosures and Notices
    • 10.7 Suitability and State Partnership Programs
    • 10.8 Replacing a Long-Term Care Policy
    • 10.9 NAIC Recommendations to Consumers
    • 10.10 Additional Information Forms
    • 10.11 Summary
    • Chapter 10 Quiz
  • 11
    11. In Conclusion – From the Experts
    • 11.1 Overview
    • 11.2 The Future of Long-Term Care
    • 11.3 Long-Term Care Facts and Figures
    • 11.4 Long-Term Care Frequently Asked Questions
    • 11.5 The Facts and Fiction of Long-Term Care
    • 11.6 Summary
    • Chapter 11 Quiz
  • 12
    Exam
    • Final Exam