8 Hours Initial Long-Term Care Insurance Partnership Training - North Carolina

✅ Approved by North Carolina Department of Insurance | Provider #10033461 | Course #223663 | Only $44.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 8 approved hours toward your North Carolina insurance license continuing education with a course approved by the North Carolina Department of Insurance for only $44.99. 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: 8 Hours Initial Long-Term Care Insurance Partnership Training
• Approved by: North Carolina Department of Insurance
• Provider number: 10033461
• Course number: 223663
• Course length: 8 hours
• Course category: Long-Term Care
• Course format: 100% online, self-paced
• Price: $44.99
• 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/8-hr-initial-ltc-partnership-north-carolina/
• Support: call or text 1-800-698-2770

✅ Who Should Take This Course?

• Licensed life, accident and health agents and producers
• Agents who intend to sell, solicit or negotiate long-term care insurance
• Producers entering the Partnership market for the first time
• Agents who advise clients on Medicaid planning implications
• Producers who need the initial training before writing Partnership policies
• Agents who need long-term care credit toward North Carolina's renewal total

✅ Does This Course Satisfy the State Requirement?

This course provides 8 credits toward the 24 a North Carolina licensee must complete each two-year compliance period. It does not satisfy the requirement on its own, and it does not satisfy the separate 3-hour ethics requirement.

North Carolina sets no limit on self-study or online hours, so all 8 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.

✅ 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 8-hour course contributes 8 of the 24 credits a North Carolina licensee must complete each two-year compliance period. It is general credit and does not satisfy the separate 3-hour ethics requirement. If you hold a property, personal lines or adjuster license, the 3-hour flood requirement is also separate.

✅ 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

• Describe the settings of care long-term care insurance pays for and how they differ in cost
• Apply activities-of-daily-living and cognitive impairment benefit triggers correctly
• Explain how the Partnership asset disregard interacts with Medicaid eligibility and estate recovery
• Compare policy designs, benefit periods, elimination periods and inflation protection options
• Apply the tax treatment of qualified long-term care contracts
• Recognize suitability limits and the signs of elder abuse or financial exploitation

✅ Course Content Overview

Hour 1: What long-term care actually is: the settings of care from home care through assisted living to skilled nursing, who needs care and for how long, current cost of care, and why health insurance and Medicare do not fill this gap.

Hour 2: Medicare, Medicaid and personal resources compared: what Medicare's skilled nursing benefit really covers, Medicaid eligibility rules including income and asset limits, the look-back period, and spousal impoverishment protections.

Hour 3: The Partnership program: how a qualified Partnership policy earns dollar-for-dollar asset disregard, reciprocity between participating states, estate recovery and how the disregard survives it, and the disclosure a Partnership policy must carry.

Hour 4: Benefit triggers and eligibility for benefits: the activities of daily living, cognitive impairment standards, licensed health care practitioner certification, the plan of care, and how a claim is actually opened and substantiated.

Hour 5: Policy design: daily and monthly benefit amounts, benefit periods and pools of money, elimination periods, home care and facility benefits, care coordination, and shared and joint policy structures.

Hour 6: Inflation protection: compound, simple and guaranteed purchase options, why inflation protection is required for Partnership qualification, and what the choice actually costs a client over a twenty-year horizon.

Hour 7: Tax treatment and funding alternatives: qualified long-term care contracts, deductibility limits, benefit taxation, hybrid life and annuity designs with long-term care riders, and the tradeoffs each alternative carries.

Hour 8: Suitability, ethics and consumer protection: assessing whether coverage fits a client's assets and income, the required suitability worksheet, replacement standards, rate increase history and disclosure, and recognizing and reporting elder abuse and financial exploitation.

✅ 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 Hrs Ongoing Long-Term Care Insurance Partnership Training - North Carolina – $21.99
• 4-Hour Annuity Best Interest and Suitability - North Carolina – $21.99
• 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 $44.99
• 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 8 Hours Initial Long-Term Care Insurance Partnership Training for $44.99 and complete your 8 approved hours online, on your schedule. Questions before you buy? Call or text 1-800-698-2770.