Continued Learning for Continued Career Advancement Become an Expert in Long-Term Care

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1 Center for Insurance Education And Professional Development Where Professionals Learn the Industry Continued Learning for Continued Career Advancement Become an Expert in learn. achieve. succeed

2 Advance Your Career in It pays to specialize. When you increase your knowledge in long-term care (LTC), you enhance your professional worth to your organization and your peers positioning yourself for career advancement. Continued learning can help you take the first step by gaining a thorough understanding of this industry, consumer needs for LTC products, and the product options available to meet those needs. America s Health Insurance Plans (AHIP) Center for Insurance Education and Professional Development can help you advance your career in the long-term care industry with our series of courses, workshops, publications, and professional designation on long-term care. And as an added benefit, many of the Center s courses are eligible for continuing education (CE) credits. Visit to find out more. 1

3 Courses, Publications, and Designation Self-study Course Online Course Publication Designation, Part I (Needs and Options) This course looks at the growing need for long term care and helps you understand the role of long-term care insurance in satisfying that need. You ll explore various payment options, including Medicare and Medicaid, and examine the marketing process selling and post-sales service in this detailed industry overview. : Understanding Needs and Options, Part II (Financing) Continue your education for a clearer understanding of the economic impact of long-term care and the variety of ways people pay: reliance on family members, government programs, annuities, reverse mortgages, long term care insurance, estate planning, gift planning, and ethical considerations overall. Financing Needs: Exploring Options and Reaching Solutions, Part III (The Product) Examine the specific provisions long-term care policies often contain and how they can best work. You ll look at policy design, pricing, and regulation of provisions, such as inflation protection, renewal privileges, restoration of benefit, contingent nonforfeiture benefit, and others. Insurance Product: Policy Design, Pricing, and Regulation, Part IV (Administration and Claims) Ensure that you have a well-rounded background on long-term care insurance products and services by acquiring more know-how from this course. You ll learn the process of claims administration, with a focus on the impact of HIPAA, as well as underwriting, policy issuance, premiums, and reporting. Insurance: Administration, Claims, and the Impact of HIPAA (Continued) 2

4 Courses, Publications and Designation (Continued) Self-study Course Online Course Publication Designation Partnerships State long-term care partnership programs give individuals incentives to provide for their own long-term care needs by purchasing a state-qualified policy. This online course is designed for insurance sales professionals, financial planners, health insurance personnel, and others who need to know about this expanding field. You ll examine partnership programs and partnership longterm care insurance policies and the role they can play in the public and private funding of long-term care. $60 One-state Option allows you to complete your partnership requirement and receive a certificate for one jurisdiction; $110 Multi-state Option you may receive partnership certification for multiple jurisdictions The fee for this online course includes online study materials. To register for this online course, please visit The New Partnership Programs: Understanding Needs, Solutions, and Ethical Considerations $40 AHIP Members, $50 Non-members Professional Enhance your professional worth by becoming an expert in long-term care insurance. The LTCP is the premier designation in the long term care field and an exciting option for professionals like you who know what it takes to succeed by understanding consumers needs and meeting those needs with the best long-term care coverage. required Courses n, Part II (Financing) n, Part III (The Product) n, Part IV (Administration and Claims) Plus one of the following electives: n, Part I (Needs and Options) n Partnerships Workshops The Center offers instructor-led training to students interested in the course, Long-Term Care Partnerships, or in earning the Long- Term Care Partnership (LTCP) designation. Visit 3

5 3 Easy Steps to Advance Your Career in 1. Enroll online at 2. Purchase study materials online at or call Test online at Questions? Call the Center at , or visit 4

6 AHIP Center for Insurance Education and Professional Developement 601 Pennsylvania Ave., NW South Building Suite Five Hundred Washington, D.C Content and Design AHIP All Rights Reserved: AHIP 2009

7 Why Pursue The Professional (LTCP) Designation? LTCP FEATURES: A designation developed for the industry by the industry input by industry experts on aspects ranging from designation structure to content review. Sponsored by two nonprofit industry associations America s Health Insurance Plans (AHIP) and American Association for Insurance (AALTCI). AHIP is the voice of America s health insurers, representing its members both in the nation s capital and in the states. AHIP is also a premier provider of education with a history of over 40 years of service to the industry. AALTCI is a national nonprofit organization composed of agents and brokers of long-term care insurance. Revenue earned from the LTCP program helps to support the long-term care insurance industry s advocacy efforts and to further the development of agents, home office staff, and others who are serving this market. Industry-sponsored program provides designation with credibility and stability beyond that offered by private vendors sponsors will be there today and tomorrow. Flexible learning formats choice of independent self-study and live review workshop. Four-course curriculum demands substantial learning discipline, providing broad depth of information organized according to adult learning techniques to facilitate content absorption and practical application. Content of the fourth course covers product administration and claims a necessity for agents, since they are the first ones called when a client goes on claim. LTCP BENEFITS: LTCP designation allows those who earn it to stand apart from the competition and be prepared to tap into sophisticated markets that demand professionalism. Comprehensive curriculum provides agents with the knowledge they need to confidently approach clients about long-term care needs thereby reducing call reluctance and other sales obstacles. Curriculum content allows agents to better understand the underwriting process facilitating appropriate prospect and product match. LTCP designation provides agents with the information they need to adjust the sales process to a variety of needs and solutions rather than a one-size-fits-all approach. Qualification for CE units exceeds or substantially satisfies agent license requirements in most states. Upcoming qualification for Certified Financial Planner continuing education provides double duty learning. The prestige of an industry-sponsored program coupled with curriculum depth provides designation holders with the confidence to interact with client advisors and cultivate these contacts for future referrals. Curriculum content, while focused on longterm care needs and solutions, provides students with the ability to see multiple solutions and related product sales opportunities. Broad view of long-term care needs and solutions provides agents with the information needed to uncover potential sources of premium funding dollars from private savings to reverse mortgages. Industry-reviewed designation materials facilitate appropriate recommendations in today s ethically sensitive environment. Workshops can be structured to incorporate not only LTCP review content but a company s compliance approved sales techniques. Multi-course designation allows for students to spread learning absorption over a period of time, derive practical applications, and ease tuition financing concerns payment of just one course at a time under self-study option. TO ENROLL: Self-Study Go to or call Live Review Workshop To attend or to discuss scheduling a workshop, contact Mindy Hartman at AALTCI by mindy@aaltci.org or call