LTC Training Requirements
As of: January 19, 2012
Revised by: , JM0
Requested by: Tom Conforti
Date Requested: July 1, 2010 JK 7-13-10, JM0 7/27/11; 1/19/12
STATE
Resident Agent LTC Training Requirements
Non-Resident Agent LTC Training
Requirements
AZ
CA
The agent must be a licensed accident and health
or sickness producer, must have completed a onetime 8 hour training course, and must also
complete 4 hours of ongoing training every 24
months thereafter.
A&H licensees must complete an 8 hour LTC course
prior to soliciting individual consumers for the sale of
LTC insurance. Newly licensed agents must complete 8
hours of LTC training every year for the first 4 years
they are licensed. Beginning in the fifth year, licensees
must complete 8 hours of LTC training every 2-year
license term.
Exemptions:
Agent’s satisfaction of another state's longterm care training requirement that is
substantially similar to the training to AZ will
satisfy the nonresident producer's long-term
care training requirement.
1. If home state has CE requirements:
Existing licenses will be renewed and new licenses
can be issued if the home state's requirements are
met. In addition, the specific LTC requirements
must also be met if the licensee solicits individuals
for the sale of LTC insurance.
2. If home state does not have CE
requirements: Current licensees must
meet the CA requirements, or the license
will not be renewed. New licenses will be
issued if the applicant has a current
license in good standing in the home state.
Then the CA CE requirements must be
met or the license will not be renewed.
CO –
FL
The agent must be licensed as a accident and
health producer, must complete a one-time 16
hour training course (8 hours LTC, 8 hours LTC
Partnerships), and must also complete 5 hours of
ongoing training every 24 months thereafter.
The agent must complete 8 hours of initial longterm care insurance training, and must complete 4
hours of additional training each 24-month period
thereafter.
The satisfaction of the training
requirements in any state will be deemed to have
satisfied the training requirements in Colorado.
Retaliatory Provision: If the nonresident's state
imposes additional obligations on Florida residents
transacting insurance in the nonresident's state,
then those same conditions will be required of the
nonresident transacting business in Florida.
GA
IL
None. LTC training requirements only apply if
selling LTC partnership policies.
The agent must be licensed as an accident and
health producer, must complete an approved 8hour training course; and must complete 4 hours of
ongoing training every 24 months thereafter.
Exemptions:
Agent’s satisfaction of the long-term care
training requirements in any state that is similar
to Illinois’ will satisfy Illinois' training
requirements.
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IN
A producer is required to complete continuing
education courses to market, sell, or solicit longterm care insurance:
Must initially pass 8 hours of approved courses
in long-term care in the first 2 years of a 4 year
license.
nd
During the 2 two years of the first license
period, must complete 5 hours of continuing
education (CE).
After the first license period, the producer must
then pass 5 hours of courses biennially, for a
total of 10 hours every 4 years.
KS
KY
LA
MN
None
None
Exemption: Traditional LTC requirements: CE
Education requirements (8 hours basic/5 hours
renewal) are waived for agents holding nonresident licenses in any other state.
Retaliatory Provision: If the nonresident state
imposes additional limitation of rights and
privileges, conditions, or other requirements upon
Indiana residents, then those additional limitations
and conditions will be required of the nonresident
transacting insurance in Indiana.
N/A
NA
Agent must be licensed as a producer for health
and accident or life insurance, must complete a
one-time 8 hour training course, and must also
complete 4 hours of ongoing training every 24
months thereafter.
Exemption: The satisfaction of the initial 8-hour
training requirement and the ongoing training in
any state will be deemed to have satisfied the
training requirements in Louisiana.
The agent must be licensed as a producer for accident
and health or sickness or life insurance, must complete a
one-time 8-hour training course, and must also complete
4 hours of ongoing training every 24 months thereafter.
The agent must be licensed as a producer for
accident and health or sickness or life insurance,
must complete a one-time 8-hour training course,
and must also complete 4 hours of ongoing training
every 24 months thereafter.
Exemption: The satisfaction of the initial 8-hour
training requirement in any state will be deemed to
have satisfied the training requirements in
Minnesota.
MO
NJ
NY
NC
None
NA
Agent must be licensed as a producer for accident
and health or sickness or life insurance, must
complete a one-time 8 hour training course, and
must also complete 4 hours of ongoing training
every 24 months thereafter.
None
The agent must submit evidence to the
Commissioner that they have completed 10 hours
of instruction which includes the principles of
Medicare supplement and long-term care
insurance and federal and NC law relating to such
insurance. The agent must also take and pass a
Exemption: The satisfaction of the training
requirements in any state will be deemed to have
satisfied the training requirements in New Jersey.
NA
Exemption: State specific requirement for
education and examination are waived for agents
requesting non-resident licenses, but they must
submit an application to the state for LTC licensure
and fulfill their resident state LTC education
requirements as well as hold the proper health
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supplemental written examination specific to LTC.
license in their resident state.
OH
The agent must complete an initial 8-hour
partnership program training course in order to
transact long-term care insurance. The agent must
also complete 4 hours of continuing education
credit during every 24-month period beginning on
January 1 of the year immediately following the
year of issuance of the agent's license.
PA
An individual must be licensed for accident &
health. A producer, licensed as of 4/1/11, who has
not completed an initial 8 hour LTC training course,
must do so by 4/1/12. A producer, licensed after
4/1/11, must complete an initial 8 hour LTC training
course. A producer must also complete 4 hours of
training for every 24 month licensing cycle.
The agent must complete 8 hours of training and is
responsible for obtaining specific training on South
Dakota Medicaid. The agent must also complete
4 hours of training every 24 months.
Exemption: A nonresident is exempt from the
continuing education (CE) requirements of Ohio as
long as the agent is in compliance with the CE
requirements of his or her home state.
Retaliatory Provision: If the nonresident's home
state imposes additional restrictions or
qualifications on Ohio residents, then those
additional limitations and conditions will be
required of the nonresident transacting insurance
in Ohio.
The satisfaction of these training requirements by a
nonresident insurance producer in his home state
shall be deemed to satisfy the training
requirements in this Commonwealth.
SD
TN
VT
VA
Exemption: The 8 hour training requirement may
be satisfied by taking courses in agent’s home
state but a nonresident agent is responsible for
obtaining specific training on South Dakota
Medicaid.
If agent is selling LTC riders to a life insurance
only, SD specific Medicaid training is NOT
required but agent still needs to complete the 8
hours training requirement.
An individual must be licensed for A&H or life and
must complete an initial 8-hour training course, and
at least 4 hours of ongoing training every 24
months thereafter.
NOTE: If agent is selling LTC riders to a life
insurance only, SD specific Medicaid training is
NOT required but agent still needs to complete the
8 hours training requirement.
The satisfaction of these LTC training requirements
in any state will be deemed to satisfy TN’s
requirements.
An individual must be licensed for A&H or life and
must complete an initial 8 hour training course (at
least 2 hours of this course must be about VT
Medicaid), and ongoing training of 4 hours every
24 months.
Satisfaction of these LTC requirements in any state
will be deemed to satisfy VT’s requirements, but
producers must still satisfy the VT specifc portion
of the initial 8 hour training course.
None
NA
WA –
Agent must be a licensed insurance producer,
must have completed a one-time 8 hour training
course, and must also complete 4 hours of ongoing
training every 24 months thereafter.
Insurance producers are also expected to be
familiar with Washington’s Medicaid program.
Exemption: The satisfaction of the training
requirements in the producer’s home state will be
deemed to have satisfied the training requirements
in Washington.
WV
The agent must be a licensed accident and
sickness producer, must have completed a onetime 8 hour training course, and must also
complete 4 hours of ongoing training every 24
months thereafter.
Exemption: Agent’s satisfaction of another state’s
long term care training requirement will satisfy
West Virginia’s training requirements.
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