This course provides a thorough orientation to long-term care and the many options available to fund long-term care, including the new state partnership programs and partnership policies. 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. It details federal and state programs, including Medicare and Medicaid, and explains the relationship between state LTC partnership programs and other private and public coverage of LTC services. The course also includes an in-depth discussion of the ethics and suitability standards associated with the sale of LTC insurance.

Topics covered include:

• The Need for Long-Term Care
• Long-term Care Services and Providers
• Medicare and Medigap
• Medicaid
• Long-term Care Insurance
• Long-term Care Insurance Policy Designs and Options
• Long-Term Care Partnership Programs
• Qualified Long-Term Care Partnership Policies
• Alternatives to Long-Term Care Insurance
• Ethical Considerations in the Sale of Long-Term Care Insurance