As the number of Americans aged 65+ grows, so does the demand for long-term care services, ranging from nursing home care to daily task assistance. Life and health insurance producers and financial planners must understand this spectrum, long-term care insurance, and partnership programs to meet customer needs. This course equips insurance & financial pros to address long-term care needs: services, insurance, & partnership programs.

This course is specifically designed to meet the ongoing study requirement for licensed producers who have completed an initial long-term care training program.

• 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 South Dakota's Medicaid and LTC Partnership programs