The "Certified in Long-Term Care" (CLTC) program is the long-term care insurance industry's only independent professional designation. Created in 1999, the course is focused on the field of long-term care planning and provides legal, accounting, insurance and financial service professionals the critical tools necessary to address the subject matter with their middle-age clients.

The goal is to teach students how to create a plan that preserves the emotional, physical, and financial wellbeing of a client's family should care be necessary. Once established, options to fund that plan, including, Medicare, Medicaid, the Veterans Administration, self-funding and long-term care insurance, are reviewed and recommended where appropriate.

The CLTC designation which is owned by the CLTC Board of Standards, Inc. is not affiliated with or funded by any insurance sales or marketing organization. The quality of the program is evidenced by the granting of continuing education credits by all states as well as established programs such as the Certified Financial Planner (CFP®) and Chartered Life Underwriter (CLU®) designations. It has also been approved in those states that have set strict criteria for professional designations.

The program is presented in either a two-day class or correspondence format. Successful passing of a proctored exam is required in order to qualify for certification. Graduates are also required to take continuing education to maintain their certification.

Unlike any other designation, CLTC offers graduates continuing support through benefits that include:

• Updates on trends in the long-term care industry
• Personal assistance in helping graduates craft the right plan for their clients
• Educational material that helps reinforce the message that clients must establish a plan for long-term care

Please take a moment to review our course outline and the requirements to obtain the CLTC designation. If you are looking for a long-term care insurance professional please visit our graduate listings.

Thank you for your interest.

Harley Gordon, President