4 Hrs Ongoing Long-Term Care Insurance Partnership Training - Vermont

✅ Approved by Vermont Department of Financial Regulation | Provider #500032164 | Course #6000207758 | Only $19.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 4 approved hours toward your Vermont insurance license continuing education with a course approved by the Vermont Department of Financial Regulation for only $19.99. The hours apply to your 24-hour review period 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 within 15 days, as Vermont requires providers to do.

✅ Course Details

• Course name: 4 Hrs Ongoing Long-Term Care Insurance Partnership Training
• Approved by: Vermont Department of Financial Regulation
• Provider number: 500032164
• Course number: 6000207758
• Course length: 4 hours
• Course category: Long-Term Care
• Course format: 100% online, self-paced
• Price: $19.99
• Certificate: emailed immediately after completion
• Reporting: 1st Choice CE reports your completion within 15 days, as Vermont requires providers to do
• Page URL: https://1stchoice-ce.com/courses/checkout/vermont/4-hrs-long-term-care-insurance-partnership-training-vermont/
• 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 credit hours a Vermont producer must complete in each 24-month review period, the current one ending March 31, 2027. 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 hours related to ethics. It does not satisfy the whole requirement on its own.

Vermont sets no cap on self-study or online hours, so all of these hours count in full. Vermont does not allow carryover, so hours above 24 are simply lost. No more than 6 of the 24 may relate to insurance agency management, which does not affect this course.

✅ Vermont Continuing Education Requirements

Vermont runs continuing education on a fixed statewide schedule rather than a personal one. Under Regulation I-2000-02, the review period is a 24-month period beginning April 1 of an odd-numbered year and ending March 31 two years later, and 8 V.S.A. § 4800a requires 24 hours of Commissioner-approved continuing education during that period as a condition of renewal. Three of the 24 hours must relate to ethics. The 24-hour total is the same whether you hold Life & Health, Property & Casualty, or both - Vermont does not split the requirement by line of authority. The current review period runs April 1, 2025 through March 31, 2027.

• 24 credit hours in each 24-month review period
• 3 of the 24 must be related to ethics
• One-time 3-hour National Flood Insurance Program course for producers licensed to sell property and casualty insurance
• No more than 6 of the 24 hours may relate to insurance agency management
• No cap on self-study or online hours - all 24 may be completed online
• Excess hours do NOT carry over from one review period to the next

A producer licensed to sell property and casualty insurance must complete one 3-hour course on the National Flood Insurance Program. It is a one-time requirement, not one per period, and it counts inside the 24. No more than 6 of the 24 hours may relate to insurance agency management. Vermont sets no cap on self-study or online hours, so all 24 may be completed online provided the courses are approved and you pass the provider-administered examination. Excess hours do not carry over to the next review period, and the same course cannot be credited twice in one period. The requirement does not apply to a producer until after the first renewal or first eligibility for renewal, so a newly licensed producer owes nothing in that first partial term. Nonresident producers who satisfy a home state that has its own requirement are excused. The Commissioner may extend the deadline by up to six months for good cause.

How this course helps: This 4-hour course contributes 4 of the 24 credit hours a Vermont producer must complete in each 24-month review period, the current one ending March 31, 2027. 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 hours related to ethics. It does not complete the renewal on its own.

✅ When Do Licensees Renew?

Vermont producer licences do not run on your birthday. They expire at 12:01 a.m. on April 1 of every odd-numbered year, which means the licence is good through March 31. Licence fees are not prorated and the term is fixed regardless of when you first applied, so a producer licensed mid-period still expires on the next March 31 of an odd year. Continuing education is due on that same date. The next deadline for resident producers is March 31, 2027. Note that adjusters, consultants and surplus lines brokers expire on March 31 of EVEN years - those dates do not apply to a producer licence.

✅ How to Renew Your Vermont License

1. Confirm your licence type. Producer, limited lines producer, title agent, managing general agent and bail bond agent licences expire March 31 of odd-numbered years.
2. Confirm which mandated subjects apply. Everyone needs 3 ethics hours. Property and casualty producers also need the one-time 3-hour NFIP flood course if they have not already taken it.
3. Complete all 24 hours before March 31 of the odd year. Remember that excess hours do not carry forward, so there is no benefit to overshooting.
4. Allow reporting time. Providers report completions to the Department's CE vendor within 15 days, and you receive your completion certificate within 20 days.
5. Check your CE transcript in State Based Systems, which shows both the current and the prior review period, and confirm the ethics hours posted in the ethics category.
6. Renew online at NIPR.com. Vermont sends renewal notices at the beginning of the odd year, and a paper application is accepted only where the electronic option is unavailable.
7. Pay the state fee, then verify your licence in State Based Systems - Vermont does not mail you a renewed licence, so you print your own verification.

Vermont states no grace period. Your renewal application must be received before the March 31 deadline to prevent a lapse. A producer who fails to meet the continuing education requirement without an approved extension will not have the licence renewed, and a producer who received an extension and still fails to complete has the licence suspended. The only relief is a Commissioner-granted extension of up to six months for good cause, requested by March 31. If a licence has already lapsed, contact DFR Producer Licensing - Vermont does not publish a fixed reinstatement window or fee.

✅ 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 Vermont Insurance CE Courses

• 3 Hour Ethics for Insurance Agents - Vermont – $19.99
• 3-Hour Flood Insurance (NFIP) - Vermont – $19.99
• 4-Hour Annuity Best Interest and Suitability - Vermont – $19.99
• 5 HRs Life Insurance Products and Retirement Planning - Vermont – $19.99
• 4 HRs Medicare Advantage and Part D Update - Vermont – $19.99
• 4 HRs Health Insurance and Affordable Care Act Updates - Vermont – $19.99
• 3 HRs Emerging Risks and Specialty Coverages - Vermont – $19.99
• 4 HRs Personal Auto and Umbrella Insurance - Vermont – $19.99

✅ Why Choose 1st Choice CE?

• Approved provider and approved course in Vermont
• Affordable at $19.99
• 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 $19.99 and complete your 4 approved hours online, on your schedule. Questions before you buy? Call or text 1-800-698-2770.