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.

• demonstrate an understanding of the need for long-term care, the continuum of long-term care services, and the extent to which long-term care costs have risen and are expected to continue to rise
• explain the common sources for funding long-term care, both public and private
  
• describe the basics of state long-term care partnership programs and how these programs interact with Medicaid
• cite the requirements for long-term care insurance policies that are used in conjunction with state partnership programs
• describe the principles of long-term care suitability and to apply them to a client's particular circumstances
• explain the basics of MassHealth and how purchasing a LTC insurance policy can exempt the insured from certain MassHealth eligibility and estate recovery rules