Course Description

8-Hour Initial LTC Partnership Training – Texas (CERT-LTC) | Self-Study (SS)

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)

Instruction Method: Self-Study (SS) ✅

This Texas-approved CERT-LTC Partnership course is the initial 8-hour training many agents need before they can market or sell Long-Term Care (LTC) Partnership policies. You’ll learn the Partnership program basics, Medicaid asset-disregard concepts, consumer protections, suitability and ethical sales practices, and the documentation habits that help keep your LTC files clean and defensible.

This course is 100% online and self-paced. Log in and out anytime without losing your place. You’ll receive an instant certificate of completion, and credits are reported within 24 hours of course completion. With over 10 years of experience, 1st Choice Continuing Education is trusted by thousands of licensees nationwide.

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Who Should Take This Course? ✅

This course is ideal for Texas insurance professionals who want to start selling or advising on Texas Long-Term Care Partnership policies, including:

✅ Life, Accident & Health (LAH) Agents who plan to sell LTC
✅ Agents who want to add LTC planning conversations to their practice (care costs, coverage triggers, and client suitability)
✅ Producers who need initial CERT-LTC Partnership training on their transcript
✅ Agents who want stronger suitability, disclosure, and documentation skills for senior-focused sales

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Texas CE & Renewal — What to Know (Important) ✅

✅ Most Texas insurance agents renew on a 2-year cycle (commonly tied to the last day of your birth month)
✅ Most licensees complete 24 total CE hours each 2-year renewal cycle
✅ Ethics / Consumer Protection: 3 hours are required and count toward the 24-hour total
✅ Self-Study (SS) cap (standard CE): Texas commonly allows up to 12 hours of SS per cycle
✅ CEQ/Classroom minimum: The remaining hours are typically completed as Classroom or Classroom Equivalent (CEQ)

How this course fits:
✅ This is an 8-hour Self-Study (SS) course. If you’re tracking the SS limit, this course can use 8 of the 12 allowed SS hours in a cycle.
✅ This is also CERT-LTC Partnership initial training, which many agents need to sell Partnership-qualified LTC policies (separate from “just getting elective hours”).

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How to Stay Compliant in Texas (Step-by-Step) ✅

Step 1: Confirm what you need right now (CERT-LTC vs. Renewal CE).

Check your Texas license record to see whether you need:
✅ Initial LTC Partnership training (CERT-LTC)
✅ Standard renewal CE hours (24 total, including ethics)
✅ Both

Step 2: Complete the Initial LTC Partnership training first (CERT-LTC).

If you plan to sell Partnership LTC policies, complete this 8-hour initial training before you start writing business.

Step 3: Complete your remaining renewal CE hours (if needed).

Most agents still need to finish their standard renewal CE totals, including the 3-hour Ethics/Consumer Protection requirement and the correct SS vs. CEQ mix.

Step 4: Finish your courses online (self-paced).

100% online. Log in and out anytime without losing progress.

Step 5: Get your instant certificate.

Download your certificate immediately after completion for your records.

Step 6: We report credits within 24 hours.

Your completion is reported within 24 hours so your transcript updates quickly.

Step 7: Renew on time.

Once your requirements are met, renew through the normal Texas renewal process by your deadline.

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What You’ll Learn — Course Outline (8 Hours, Texas 50-Minute Hours) ✅

Hour 1: LTC & Partnership Foundations

✅ LTC vs. acute care, settings of care, and ADL/IADL triggers
✅ Why LTC planning matters (care costs, longevity, caregiver burden)
✅ NAIC-style consumer protections and producer conduct expectations
✅ Federal framework that enabled modern Partnership programs
✅ Stakeholders (clients, caregivers, carriers, regulators, Medicaid agencies)
✅ What “initial 8-hour training” vs. “ongoing refresher training” means in practice

Hour 2: Medicaid Eligibility, Spend-Down, and Asset Disregard

✅ Medicaid eligibility basics (countable vs. exempt assets)
✅ Spend-down pathways, look-back concepts, and transfer-of-assets awareness
✅ Partnership asset disregard (how benefits paid can protect assets)
✅ Reciprocity concepts and state variation awareness
✅ Estate recovery basics and how asset disregard can affect recovery risk
✅ Required consumer disclosures: what clients must understand

Hour 3: LTC Policy Types, Benefits, and Triggers

✅ Traditional LTC vs. hybrid life/LTC and annuity/LTC basics
✅ Benefit triggers (ADLs, cognitive impairment) and plans of care
✅ Benefit design: elimination periods, benefit periods, pool-of-money concepts
✅ Covered services and common limitations/exclusions
✅ Inflation options and why they matter for Partnership policies
✅ Suitability considerations tied to age, objectives, and affordability

Hour 4: Consumer Protections, Suitability, and Ethical Sales

✅ Required disclosures, buyer guide concepts, outline of coverage, free-look
✅ Suitability methodology and defensible recommendations
✅ Replacement considerations and protecting client outcomes
✅ Senior client communication and avoiding fear-based sales
✅ Unfair trade practices and elder financial abuse red flags
✅ Complaint readiness and recordkeeping habits

Hour 5: Underwriting, Pricing, Rate Stability, and Claims

✅ Underwriting basics and common decline reasons
✅ Pricing drivers and long-term affordability planning
✅ Rate stability concepts and premium increase review
✅ Client options if premiums increase (benefit adjustments, nonforfeiture concepts)
✅ Claims workflow: documentation, eligibility verification, recertifications
✅ Coordination with other coverage and managing expectations

Hour 6: Tax Treatment, HIPAA-Qualified LTC, and Coordination

✅ HIPAA “tax-qualified” LTC fundamentals and benefit standards
✅ General tax treatment concepts for premiums/benefits (high-level overview)
✅ Medicare coordination (what it covers vs. what LTC covers)
✅ Coordination with other policies and benefit interaction awareness
✅ Documentation tips for tax/coordination discussions
✅ Best practices for staying in your lane and documenting appropriately

Hour 7: Planning Integration and Affordability Strategies

✅ Integrating LTC into retirement/estate planning conversations
✅ Affordability levers while staying aligned with client needs
✅ Caregiver dynamics, respite benefits, and real-world claims impact
✅ Plain-language plan comparisons clients can understand
✅ Post-issue changes and managing evolving health/needs
✅ Annual review cadence to support ongoing suitability

Hour 8: State Nuances, Advertising, Market Conduct, and Case Studies

✅ State nuance awareness (disclosures and common differences that impact producers)
✅ Advertising rules and compliant consumer communications
✅ Documentation mastery: needs analysis, comparisons, and rationales
✅ Elder-justice safeguards and escalation best practices
✅ Case studies across multiple client profiles with written rationales
✅ Final checklist for compliant LTC Partnership sales

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Why Choose 1st Choice CE? ✅

✅ Approved by TDI (Provider #233452 | Course ID #145610)
✅ Only $39.99 — no added or extra fees (TDI filing fee included)
✅ 100% Online & Mobile Friendly
✅ Self-Paced — log in/out anytime without losing progress
✅ Instant Certificate of Completion
✅ Credits Reported Within 24 Hours
✅ Money-Back Guarantee
✅ Support by call or text — 1-800-698-2770
✅ Trusted CE provider for 10+ years

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Enroll Now — Just $39.99 ✅

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Need More Texas Insurance Hours? ✅

✅ 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)

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FAQ — Texas Initial LTC Partnership Training (CERT-LTC) | Self-Study (SS) ✅

Is this a Self-Study (SS) course? ✅
Yes. This is an 8-hour Self-Study (SS) course.

Is this the initial CERT-LTC Partnership training course? ✅
Yes. This is the initial 8-hour LTC Partnership training (CERT-LTC) approved by TDI.

Do I need this course to renew my Texas insurance license?
Many agents take this course because they need it to sell Partnership-qualified LTC policies. You may still need to complete your standard renewal CE separately (most agents: 24 hours total, including 3 ethics).

How many CE hours do Texas insurance agents need to renew? ✅
Most Texas insurance agents complete 24 total CE hours each 2-year renewal cycle, including 3 hours of Ethics/Consumer Protection.

Is there a limit to Self-Study (SS) hours in Texas? ✅
Texas commonly allows up to 12 hours of SS per renewal cycle, with the remaining hours typically completed as CEQ/classroom-equivalent. Since this course is 8 hours SS, it can use a large portion of the SS limit.

Can I log in and out without losing my progress? ✅
Yes. Your progress is saved, and you can return anytime.

Do I get a certificate right away? ✅
Yes. You’ll receive an instant certificate immediately after completion.

How fast are credits reported? ✅
We report completions within 24 hours of course completion.

Are there any extra fees at checkout? ✅
No. Your price is $39.99 total—no added or extra fees. The $10.40 TDI filing fee is already included.

What if I need help? ✅
Call or text 1-800-698-2770 for support.

 

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.