"Long-term care" refers to the wide range of services and care that individuals need when they are unable to care for themselves as a result of a chronic (long-term) medical or cognitive condition. The need for long-term care can arise at any age from the effects of an illness or injury, and it can also arise simply as a result of the normal effects of aging.

The purpose of this course is to provide a thorough understanding of long-term care and long-term care insurance in California. Before an agent can sell LTC insurance in this state, he or she must complete a course of study on this subject according to a topical outline provided by the state.

This course is approved to provide the 8 hours of training and instruction required of all agents who sell long-term care insurance in California. It covers the topics included in the Department of Insurance course outline and addresses the required learning objectives.

Upon completion of this course, students will understand:

• long-term care and long-term care providers
• potential sources of long-term care funding
• long-term care insurance policies and provisions
• federal legislation affecting long-term care and long-term care insurance
• California statutory policy provisions, requirements, and terminology
• California Department of Insurance authority and enforcement
• advertising guidelines and marketing practices
• California Partnership for Long-Term Care

California-licensed Life and Health insurance producers