Few issues are more compelling than the need for long-term care. As our population ages, and as more and more people live longer in their retirement years, ever-larger numbers will be forced to confront this issue. The question is, will they be prepared? Are you, as a producer or financial advisor, ready and able to counsel your clients and prospects on long-term care and the options available for funding and delivering that care?

This course provides a thorough orientation to long-term care and the many options available to address this need. Designed specifically for the licensed insurance professional to meet long-term care and partnership training requirements, the course details the facts and facets of long-term care: what it is, how it is provided, and how it can be funded. It explores the nature of long-term care, LTC services and providers, LTC insurance, partnership programs, and qualified partnership policies. The course also includes an in-depth discussion of the ethics and suitability standards associated with the sale of LTC insurance.

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

Upon conclusion of this course, students will be able to:

• 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
  
• identify the provisions and features found in long-term care insurance policies
  
• 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
• explain Kentucky's Long-Term Care Partnership and Medicaid programs, and how the two relate