Course Description

8 Hours Initial Long-Term Care Insurance Partnership Training (CERT-LTC) – Texas

Approved by the Texas Department of Insurance (TDI) | Provider #233452 | Course ID #145610 ✅
Only $39.99 — No added or extra fees (the $10.40 TDI filing fee is already included)

Launch your Texas CERT-LTC Partnership credential the fast, affordable way. This initial 8-hour course satisfies Texas’ CERT-LTC Partnership training requirement so you can sell Partnership-qualified LTC policies that may provide Medicaid asset-disregard benefits to your clients. Study 100% online, self-paced, and log in/out anytime. You’ll download an instant certificate at completion, and we report your credits to TDI within 24 hours. Backed by a money-back guarantee and 10+ years serving thousands nationwide. Questions? Call or text 1-800-698-2770.

---

Who Should Take This Course?

• Texas life/health producers who plan to sell, solicit, or negotiate LTC Partnership policies

• Financial professionals who advise on retirement & Medicaid planning

• New agents who need the initial (CERT-LTC) 8-hour Partnership training before offering LTC products

• Producers refreshing LTC fundamentals prior to carrier product training

---

Texas CE & LTC Partnership — What to Know

• Total CE for most producers: 24 hours every 2 years, including at least 2 hours of Ethics.

• LTC Partnership training:

  • Initial: 8 hours CERT-LTC (this course).

  • Ongoing: 4 hours every 24 months (we offer the Ongoing course as well).

• Delivery: Texas accepts online, self-paced CE (Texas uses 50-minute hours).

• Transparent pricing: Many providers add Texas’ $1.30 per CE hour fee at checkout. Your $39.99 price already includes the full $10.40 filing fee—no surprises.

---

How to Get CERT-LTC Certified (Step-by-Step)

Step 1 — Complete this Initial 8-Hour CERT-LTC course.
Self-paced on any device; your progress saves automatically.

Step 2 — Download your instant certificate.
Keep it for carrier appointments and your records.

Step 3 — We report to TDI within 24 hours.
Your completion is on file when you renew.

Step 4 — Add any carrier product-specific training.
Most insurers require brief product modules in addition to this CERT-LTC course.

Step 5 — Stay compliant.
Take the 4-Hour Ongoing LTC Partnership course every 24 months.

---

What You’ll Learn — Course Outline (8 Hours Total)

(Texas 50-minute hours; condensed highlights below.)

• Hour 1: Purpose, Scope & Foundations — LTC vs. medical care; NAIC LTC Model; DRA-2005; roles of consumers, carriers, and regulators; initial & ongoing training expectations.

• Hour 2: Medicaid, Spend-Down & Asset-Disregard — Eligibility basics; look-back rules; Partnership asset-disregard mechanics; reciprocity; estate recovery & disclosures.

• Hour 3: LTC Policy Types, Benefits & Triggers — Stand-alone vs. hybrids; ADL/cognitive triggers; benefit design levers; care settings; inflation protection & Partnership standards; key riders.

• Hour 4: Consumer Protections, Suitability & Senior Ethics — Required disclosures, buyer’s guides, replacements, preventing unfair practices, documentation & recordkeeping.

• Hour 5: Underwriting, Pricing, Rate Stability & Claims — Cognitive screens, affordability, rate actions, policyholder options, claims workflow & coordination of care.

• Hour 6: Tax Treatment, HIPAA-Qualified LTC & COB — HIPAA tax-qualified contracts; individual/business tax points; Medicare interactions; integration with other coverages; documentation.

• Hour 7: Planning Integration, Affordability & Caregiver Dynamics — Fitting LTC into retirement/estate plans; maintaining Partnership compliance; caregiver realities; annual review cadence.

• Hour 8: State Nuances, Advertising & Capstone Cases — State reciprocity notes, compliant advertising, documentation mastery, elder-justice safeguards, applied case studies & checklists.

---

Why Choose 1st Choice CE?

✅ TDI-Approved (Provider #233452, Course #145610)
✅ $39.99 flat — no extra fees (TDI filing included)
✅ 100% Online & Mobile Friendly
✅ Self-Paced — Log in/out anytime
✅ Instant Certificate
✅ Credits Reported Within 24 Hours
✅ Money-Back Guarantee
✅ Support by Call or Text — 1-800-698-2770

---

See Our Other Texas Insurance Online Courses

✅ 3-Hour Insurance Ethics — Texas ($19.99, no extra fees)
✅ 3-Hour Flood Insurance (NFIP) — Texas ($19.99, no extra fees)
✅ 4-Hour LTC Partnership — Ongoing Training — Texas ($19.99, no extra fees)
✅ 4-Hour Annuity Best-Interest/Suitability — Texas ($19.99, no extra fees)

Course Details

• Approved by Texas Department of Insurance
• Approved Provider #233452
• Approved Course #145610
• Instant Access - Online Course.
• Study At Your Own Pace. Anytime.
• On Any Device. Phone, Tablet, or Computer.
• Hassle Free Navigation. Easy to Follow.
• Certificate emailed immediately upon completion.
• 1-800-698-2770 for any questions.