As our population ages, the need for long-term care becomes crucial. This course prepares producers and financial advisors to counsel clients on long-term care options and funding. It covers the nature of long-term care, services and providers, insurance, partnership programs, and policies, as well as federal and state programs like Medicare and Medicaid. The course also discusses the market for long-term care insurance and the ethics and suitability standards for selling LTCI policies. The course concludes with a chapter on Massachusetts’ Medicaid program—MassHealth—and the requirements that apply to long-term care insurance policies that can qualify their owners for certain MassHealth asset and estate recovery exemptions. This course is listed with the State of Massachusetts under the title LTC Progs, Pols, and DOES meet MA LTC Approved Training Reqs.

Important Note: Please verify you have the proper license before ordering and completing this course.

• Describe the conditions that have led to the growing need for long-term care
• Explain the types of LTC providers and the services they offer
• Demonstrate an understanding of the options and limitations of Medicare and Medicaid for paying for long-term care
• Outline and define the purpose, function, and application of long-term care insurance
  
• Explain the fundamentals of LTC partnership programs and the requirements for LTCI policies that are sold with these programs
• Demonstrate an understanding of the ethics and suitability issues that surround the sale of LTC insurance
• Describe the basics of MassHealth and the state's long-term care partnership program

Life and health insurance producers and finance professionals