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Following is an update of what’s happening by state:
Alabama. The legislature has enacted a bill establishing the state’s partnership program (effective July 1), but as the legislative session nears its end a bill addressing partnership training requirements has not been passed. Action on this matter may occur this summer.
- Arizona. The legislature has passed a bill establishing partnership training requirements. However, this bill must still be signed by the governor, and it will not go into effect until 90 days after the close of the legislative session. This means that the state’s training requirements will not be effective for at least a few more months, but since agents have until June 30, 2009, to complete the initial training, this should not create a problem. The bill requires all LTCI producers to take eight hours of initial training based on the NAIC model and four hours of follow-up training every two years beginning July 1, 2009.
- Arkansas has just finalized its training requirements. All LTCI agents must complete eight hours of initial training and four hours of follow-up training every 24 months. The content of the initial training will be the NAIC model plus a supplement on the Arkansas partnership program, which will be issued by the state in early June. Agents already selling LTCI have until July 1, 2009, to complete the initial training; new agents have until January 1, 2009. However, any agent must complete the initial training before he or she can sell, solicit, or negotiate a partnership policy. (In other words, agents may sell non-partnership LTCI policies without completing the training, until the deadline that applies to them; but effective immediately, agents may not sell partnership policies without the training. After the deadlines, agents will not be allowed to sell any type of LTCI policy without completing the training.)
- Colorado. All resident LTCI agents must complete a 16-hour course by January 1, 2009. Eight hours must be classroom training; the other eight hours can be classroom, self-study, or Internet-based. The state has issued an outline stipulating the content of the course. (It does not follow the NAIC model, although there is some overlap.) AHIP is developing a 16-hour Colorado course, and we expect to make it available this summer. Agents from other states can get Colorado training certification if they are certified in their home state.
- Florida. The new rule reported in recent newsletters, requiring LTCI agents to complete two hours of Florida-specific training by October 1, 2008, is currently under review by the state and not in effect. In the meantime, the earlier rule is still in force-agents must complete eight hours of training based on the NAIC model before selling LTCI products. We are monitoring this situation closely and will report on developments.
- Georgia has finalized its training requirements. Agents must complete eight hours of initial training by October 1, 2008, and four hours of follow-up training every 24 months thereafter. Course content is based on the NAIC model. The requirement applies only to agents selling partnership policies, not all LTCI agents. AHIP has submitted its course for state approval, and we hope to have it available soon.
- Hawaii. The legislature recently passed a bill requiring all LTCI agents to complete eight hours of training based the NAIC model. But this requirement will not go into effect until the state’s partnership program is established, and it is unclear when that might occur, since a partnership bill failed to pass in this legislative session. The bottom line for agents: There are no partnership training requirements in effect at this time, there will be no such requirements until the partnership is established, and when that occurs, agents will have one year from that date to complete the training.
- Illinois. Currently, all agents must have completed Illinois course 09400 (six hours) before they can sell LTCI policies, but this will change on July 1, 2008. As of that date, agents who have already completed course 09400 will be allowed to continue selling LTCI, but they must complete the initial LTC partnership training (course 25008) by July 1, 2009. Agents who have not completed course 09400 by July 1, 2008, will not be allowed to sell LTCI until they complete course 25008. To be approved by the state as 25008, a course must cover the NAIC content, but it does not necessarily have to be eight hours. AHIP’s NAIC Model Course has been approved by Illinois as 25008, and it is now available for those seeking to fulfill Illinois’s requirements.
- Iowa. Originally in Iowa, agents had to complete the eight-hour NAIC model as initial training and six hours of follow-up training every three years. But this changed this winter; under the new rules, training content is still based on the NAIC model, but agents must complete only four hours of initial training and three additional hours every three years. AHIP will continue to offer Iowa agents its eight-hour NAIC Model Course, as we believe it best meets their needs. This course fulfills the new state requirements, and it gives Iowa resident agents the opportunity to earn additional CE and obtain LTC partnership certification in other states. (Iowa agents who take a four-hour Iowa course cannot become certified outside of Iowa without taking an eight-hour NAIC model course.)
- Kansas. The Department of Insurance has recommended that the state adopt the NAIC model for partnership training, but the number of hours of training agents will be required to complete is under discussion. The passage of a bill was expected this spring, but the legislative session recently ended without action on it. However, Kansas has established a partnership program, and to comply with federal rules the state must issue partnership training requirements, so further action on this matter is expected.
- Michigan. It has been proposed that agents selling partnership policies (not all LTCI agents) will have to take eight hours of initial training (the NAIC model plus a Michigan Medicaid supplement) and four hours of follow-up training every 24 months. However, it is unclear at this time when these requirements will be finalized.
- Minnesota requires a state-specific course. It is eight hours and is based on the NAIC model, but Minnesota-specific content must be incorporated into the course (unlike other states, where it can be added as a supplement). AHIP’s Minnesota course has been approved and is available.
- New Jersey has just finalized its training requirements. All LTCI agents must complete eight hours of initial training based on the NAIC model by July 1, 2009, and four hours of follow-up training every 24 months thereafter.
- Oklahoma has recently finalized its training requirements. The initial training will be eight hours, with content based on the NAIC model. Agents already selling LTCI as of July 14, 2008, will have until July 14, 2009, to complete the initial training; other agents must complete the initial training before they may sell LTCI. In addition, four hours of follow-up training will be required every 24 months. AHIP has submitted its course for state approval, and we expect to have it available soon.
- Pennsylvania. At this time Pennsylvania requires agents to complete a one-hour course based on state-issued content before they can sell LTC partnership policies. According to a bulletin issued by the state, agents will have to complete a total of eight hours of partnership training before the end of this year. However, we have been informed by the Pennsylvania Insurance Department that this requirement is still going through the approval process and is not yet final. Until it is officially adopted, the one-hour requirement remains in effect. We recommend that agents take the one-hour course (available on our website) now and wait for further action by the state before taking additional training. We are monitoring the situation closely and will keep you informed. If and when the proposed eight-hour requirement is finalized, we expect that agents will be able to use our NAIC Model Course to fulfill it. Agents will have until December 31, 2008, to complete the eight hours (and if the training requirements are not finalized until late in the year, there will likely be an extension of this deadline).
- South Carolina. There is a bill in the legislature that would adopt the NAIC model and possibly state-specific supplements. It would apply to all LTCI producers, and the deadline for initial training would be July 1, 2009.
- Tennessee is awaiting a decision by the legislature on training requirements, expected in June or July.
- Texas. Training requirements have been finalized. Agents selling partnership policies (not all LTCI agents) must complete eight hours of initial training by January 1, 2009, and four hours of follow-up training every 24 months thereafter. The content of the initial training is the NAIC model plus supplements on Texas Medicaid eligibility and asset disregard under the Texas LTC partnership. AHIP has submitted a course to the state for approval, and we hope to have it available soon.
- Wisconsin. Training requirements have been developed, and the final approval process will be completed by the middle of June. All LTCI agents will have to complete eight hours of initial training by January 1, 2009. The content of the initial training will be based on the NAIC model, but it must include two hours of Medicaid content specific to Wisconsin and developed and issued by the state. Agents who have already completed an eight-hour NAIC model course will be able to fulfill Wisconsin’s requirements by taking only the two hours of state-specific content.