Agents working in long-term care (LTC) insurance will find this training essential to deepening
their grasp of policy coverage, claims, and compliance in California. It breaks down the unique
triggers for benefit eligibility, such as the inability to perform two or more ADLs or cognitive
impairment, and contrasts reimbursement with indemnity models for claim settlements.
You’ll develop a sharper lens for evaluating claims, reviewing policy structures, and
understanding tax-qualified versus non-tax-qualified benefits—crucial for managing client
expectations and advising accurately.

Completing this course equips producers to operate with greater skill and accuracy. You’ll
improve your ability to recommend appropriate LTC products by understanding combo plans,
policy rider structures, and underwriting criteria. These are not just academic details—they
directly influence your effectiveness in fielding objections, preventing unsuitable policy
replacements, and maintaining ethical standards.

California statutes and Insurance Code sections 10230–10237.6 are covered thoroughly,
ensuring you can navigate replacement rules, rate stabilization laws, and penalties with
confidence. You’ll also understand the regulatory implications of agent conduct and
disclosure requirements, helping you remain compliant and trustworthy in every transaction.

The course addresses specific topics like Medi-Cal eligibility, hybrid LTC products, and tax
treatment under HIPAA and the Pension Protection Act—making it deeply relevant to the
evolving landscape of LTC insurance and product offerings.

Topics Included in the Course:

• Long-Term Care
• Potential Resources for Paying for Long-Term Care
• Federal Legislation & Long-Term Care
• Long-Term Care Insurance
• Statutory Provisions, Requirements & Terminology
• Administration & Enforcement
• Advertising Guidelines & Marketing Practices
• California Partnership for Long-Term Care