Long Term Care in America

Instructor UIE Phone (253) 846-1155 Email mail@uiece.com

Course Overview The LTC in America begins with a look at who may need long-term care and the conditions that have caused that need.  It examines initial primary caregivers and those that follow, as the medical needs progress.   This course looks at the policy components that are both required and available in various types of long-term care products.  It looks at the differences between state (non-tax qualified plans) and federal (tax-qualified) contracts.  Because these differences are important to the consumer it is necessary that agents fully understand the benefits and detractions of each policy type.   Not everyone should purchase a long-term care policy.  Some consumers do not have enough assets to protect.  Suitability standards are discussed showing the agent who perhaps should not consider such a purchase.   Although only a few states handle Partnership policies, these are discussed in this course.  The concept behind these contracts is important and we felt worth including.

Course Schedule

Chapter	Subject	Description
Chapter 1	What is Long-Term Care?	Introduction
Chapter 2	Policy Options	Medicare benefits, pricing, renewal, options.
Chapter 3	The Evolution of a Major Industry	Nursing home or care at home.
Chapter 4	Who is at Risk?	Who is likely to need LTC?
Chapter 5	Designing a Personal Policy	Policy choices, partnership LTC.
Chapter 6	Comparing Qualified and Non-Qualified Plans	HIPAA, ADLs
Chapter 7	The Deciding Factors	Remaining at home, Medicare qualification
Chapter 8	Selecting a Suitable Company	Signs of Insurer trouble.
Chapter 9	Alternatives to Purchasing Insurance	Assessing the need, alternatives.
Chapter 10	Agent Ethics	Finally, the course ends with a complete chapter on ethics.  We realize that the majority of agents are moral people, but many aspects of long-term care ethics are important enough to spend time on.

Additional Information

This course is not approved for Partnership LTC requirements. It is approved for continuing education and where noted, approved for state LTC requirements.