4 Hrs Ongoing Long-Term Care Insurance Partnership Training - North Carolina

✅ Approved by North Carolina Department of Insurance | Provider #10033461 | Course #222483 | Only $21.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 4 approved hours toward your North Carolina insurance license continuing education with a course approved by the North Carolina Department of Insurance for only $21.99. The hours apply to your 24-credit, two-year requirement and the course is approved in the Long-Term Care category, so you can enroll online and start on your own schedule.

The course is 100% online and self-paced. Log in and out as often as you need without losing progress. Your certificate is emailed the moment you finish, and 1st Choice CE reports your completion to Prometric, the Department's CE administrator.

✅ Course Details

• Course name: 4 Hrs Ongoing Long-Term Care Insurance Partnership Training
• Approved by: North Carolina Department of Insurance
• Provider number: 10033461
• Course number: 222483
• Course length: 4 hours
• Course category: Long-Term Care
• Course format: 100% online, self-paced
• Price: $21.99
• Certificate: emailed immediately after completion
• Reporting: 1st Choice CE reports your completion to Prometric, the Department's CE administrator
• Page URL: https://1stchoice-ce.com/courses/checkout/north+carolina/4-hrs-ongoing-long-term-care-insurance-partnership-training-north-carolina/
• Support: call or text 1-800-698-2770

✅ Who Should Take This Course?

• Licensed life, accident and health agents and producers
• Producers who already completed initial Partnership training and are due for the ongoing requirement
• Agents who sell, solicit or negotiate long-term care insurance
• Producers advising clients on Partnership-qualified policies and asset protection
• Agents who service in-force long-term care business and handle benefit-trigger questions
• Producers who want a refresher on suitability and replacement before their renewal

✅ Does This Course Satisfy the State Requirement?

This course provides 4 approved hours toward the 24 insurance continuing education credits a North Carolina licensee must complete each two-year compliance period. This is the 4-hour ongoing long-term care insurance Partnership training course, for producers who have already completed initial long-term care training and need the recurring hours. It is general credit toward your state total, so it does not satisfy the separate 3-hour ethics requirement, which must come from a course approved in the ethics category. It does not satisfy the whole requirement on its own.

North Carolina sets no limit on self-study or online hours, so all of these credits count in full. If you hold a property, personal lines or adjuster license, remember that the 3-hour flood requirement is a separate mandated subject in alternating compliance periods. Excess hours carry forward as general credit.

✅ North Carolina Continuing Education Requirements

North Carolina requires 24 insurance continuing education credits during each biennial compliance period under 11 NCAC 06A .0802. Three of those credits must be ethics, taken from a course approved in the ethics category - general credit will not satisfy it, and the Department states there are no exceptions. Licensees holding a property, personal lines or adjuster license must also complete 3 hours of flood coverage in their first compliance period and every other compliance period after that, which works out to every four years. The 24-hour total is the same regardless of how many licenses you hold; holding more lines changes the mandated subject mix, not the total.

• 24 insurance continuing education credits (ICECs) in each two-year compliance period
• 3 of the 24 must be ethics, from a course approved in the ethics category
• 3 hours of flood, in the first compliance period and every other period after that, for anyone holding a property, personal lines or adjuster license
• 24 hours is the total no matter how many licenses you hold
• No limit on self-study or online hours - all 24 may be completed online
• Excess hours carry forward to the next compliance period as general credit

Your compliance date is set by your birth month and your birth year. Continuing education is due by the last day of your birth month, in odd-numbered years if you were born in an odd year and even-numbered years if you were born in an even year. North Carolina sets no limit on self-study or online hours, so the full 24 may be completed online. Hours above 24 carry forward to the next compliance period, although surplus ethics or flood credits carry over only as general credit and do not pre-satisfy the next period's mandated subjects. The same course does not earn credit twice in one compliance period. Exemptions are narrow - long-term medical disability or active military service only. There is no long-tenured exemption and no professional designation exemption. Nonresident licensees who meet their home state's requirements are deemed to meet North Carolina's.

How this course helps: This 4-hour course contributes 4 of the 24 insurance continuing education credits a North Carolina licensee must complete each two-year compliance period. It is approved in the Long-Term Care category. This is the 4-hour ongoing long-term care insurance Partnership training course, for producers who have already completed initial long-term care training and need the recurring hours. It is general credit toward your state total, so it does not satisfy the separate 3-hour ethics requirement, which must come from a course approved in the ethics category. It does not complete the renewal on its own.

✅ When Do Licensees Renew?

North Carolina is unusual, and it is worth being precise about it. A resident producer license does not renew on a schedule - it stays valid until it is surrendered, cancelled or revoked. What runs on a cycle is the continuing education. Your CE is due by the last day of your birth month, in either odd or even years depending on your birth year. The license does not expire on a renewal date; it expires as a consequence of missing the CE deadline or missing the mandated ethics or flood hours. The January, April and September renewal dates you may have heard of apply to adjusters, business entities and surplus lines licenses, not to resident individual producers.

✅ How to Renew Your North Carolina License

1. Confirm your compliance date. It is the last day of your birth month, in an odd year if you were born in an odd year and an even year if you were born in an even year. New licensees should check the Department's New Licensee CE Chart, because a first period can run longer or shorter than two years.
2. Confirm which mandated subjects apply to you. Everyone needs 3 ethics hours. Anyone holding a property, personal lines or adjuster license also needs 3 flood hours in alternating periods.
3. Complete all 24 credits, including the mandated subjects, before the last day of your birth month in your compliance year.
4. Allow reporting time. Approved providers submit rosters to Prometric within 15 business days of the completion date.
5. Check your CE transcript through Sircon Compliance Express and confirm the ethics and flood hours posted in the correct categories, not as general credit.
6. If you are going to miss the date, request an extension through Sircon between 30 days before and the last day of your compliance period. The fee is $75 and it holds the license in Extended status for 30 days.
7. Verify your license status and NPN through the NAIC lookup, and keep your own CE records for five years as the rule requires.

There is no grace period. Missing the compliance date on total hours, or on the mandated ethics or flood hours, causes the license to expire. You then have four months from the compliance date to complete the outstanding hours and pay a $75 administrative fee to Prometric to reinstate. After that four-month window the license goes inactive and continuing education will not bring it back - you must complete prelicensing education and pass the state exam again for each line of authority to be issued a new license. That is the reason to finish early rather than at the deadline.

✅ What You Will Learn

• Restate the activities-of-daily-living and cognitive impairment benefit triggers and apply them to real claims
• Compare the settings and levels of care a policy pays for and explain the cost difference to a client
• Explain how the dollar-for-dollar asset disregard protects assets from Medicaid spend-down and estate recovery
• Evaluate inflation protection options and show a client what each one is worth over time
• Apply suitability and replacement standards before recommending or replacing a policy
• Describe the producer's ongoing duties once a Partnership policy is in force

✅ Course Content Overview

Hour 1: Refresher on the long-term care landscape: the settings of care from home care through assisted living to skilled nursing, how long care typically lasts, what it costs today, and why Medicare's skilled nursing benefit is not long-term care coverage. The hour closes by placing the Partnership program in context as the bridge between private insurance and Medicaid.

Hour 2: Benefit triggers and policy mechanics in practice: the activities-of-daily-living trigger and the cognitive impairment trigger, elimination periods, benefit periods and daily or monthly benefit amounts, pools of money versus fixed benefit designs, and how inflation protection changes what a policy is actually worth at claim time. The hour works through claim scenarios where the trigger is contested.

Hour 3: The Partnership asset disregard in depth: how dollar-for-dollar protection is earned, how it is counted at Medicaid eligibility, how it interacts with estate recovery, and what reciprocity between participating states does and does not guarantee when a client moves. The hour closes with the disclosure a producer must make about Partnership status.

Hour 4: Suitability, replacement and the producer's continuing duties: assessing whether long-term care coverage is suitable for a client's assets and income, the standards that apply before replacing an existing policy, the tax treatment of qualified policies and premiums, and the recordkeeping and reporting a producer carries once the policy is in force. The hour ends with the ethical obligations that outlast the sale.

✅ Other North Carolina Insurance CE Courses

• 3 Hour Ethics for Insurance Agents - North Carolina – $21.99
• 3-Hour Flood Insurance (NFIP) - North Carolina – $21.99
• 4-Hour Annuity Best Interest and Suitability - North Carolina – $21.99
• 8 Hours Initial Long-Term Care Insurance Partnership Training - North Carolina – $44.99
• 5 HRs Life Insurance Products and Retirement Planning - North Carolina – $21.99
• 4 HRs Medicare Advantage and Part D Update - North Carolina – $21.99
• 4 HRs Health Insurance and Affordable Care Act Updates - North Carolina – $21.99
• 3 HRs Emerging Risks and Specialty Coverages - North Carolina – $21.99

✅ Why Choose 1st Choice CE?

• Approved provider and approved course in North Carolina
• Affordable at $21.99
• 100%% online and self-paced
• Log in and out anytime without losing progress
• Instant emailed certificate
• We report your completion for you
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Enroll in 4 Hrs Ongoing Long-Term Care Insurance Partnership Training for $21.99 and complete your 4 approved hours online, on your schedule. Questions before you buy? Call or text 1-800-698-2770.