LTCCP News

Bill Comfort Honored with Lifetime Acheivement Award

9/17/2026

Bill Comfort, the LTCCP® certification founder, as been awarded the CLTC Lifetime Acheivement Award.

The award was presented during the Certified in Long Term Care - CLTC® 2026 Thought Leadership Conference in Minneapolis, MN, on September 15th.

As part of the conference, Bill led a panel discussion on "The Turbulence in LTC Insurance Claims" with representatives from the home care industry, a fee-based LTCI claims advocate, and attorneys representing both policyholder-claimants and LTC insurance companies.

Bill has been a member of the CLTC® training faculty for 25 years, and has served as its Director of Training since 2016. The CLTC® designation is a 16-hour continuing education course for financial planners, insurance agents and other advisors that addresses both why and how to help consumers make proactive, advance plans to manage and pay for their future long-term care needs.

LTC Carriers are Prepping for the Claims Wave. Are You?!

8/5/2026

LTC insurance companies are preparing for the LTC Claims Wave. Are you?

[This commentary is based on a LinkedIn article about how LTC insurance companies must closely manage their claims to control their costs and benefit payments. LINK TO THE ARTICLE BELOW.]

This is an important article for anyone working with or advising LTC insurance policyholders on claim. It's a great perspective on what and how the insurance companies - especially those with "closed" blocks of business - are trying to manage the process and dollars paid at the time of claim.

It reinforces that insurance companies MUST (and DO) pay legitimate, properly-documented claims, but also that if that documentation is not clear, current, and consistent across all providers, all information sources/required documentation, then companies will deny and delay benefits in an effort to make sure - to a very fine degree - that the claim should be legitimately paid.

Carriers must also do a better job of communicating with claimants and their family members to educate them about the coverage, eligibility, process, etc. in a way that can help them understand and practically participate in the process.

There is a profound amount of consumer frustration developing around LTCI claims - and wasted time and money for carriers - because claimants/consumers do not "speak insurance," and carriers are refusing to "speak consumer."

The Long Term Care Claims Professional-LTCCP® certification training program equips care professionals with the very "translation" tools to understand LTC insurance from a claims perspective. What exactly is needed to ensure a claim is filed "in good order" from the very beginning? Are care notes, invoices, and the plan of care all in alignment using LTC insurance language?

LTCCP® is for professional care providers, home care agencies, care managers/Aging Life Care Professionals, attorneys, financial advisors, agents, and anyone else who plays a role in helping policyholders effectively and efficiently navigate the complex LTC insurance claims process.

CLICK HERE to read the LinkedIn article,
"The Financial Future of a Closed LTC Block
Is Built Claim by Claim"

LTCCP® Founder Bill Comfort to Speak at Fall Conferences

6/9/2026

It is going to be a BUSY fall for LTCCP® course founder and lead instructor, Bill Comfort.
He is scheduled to attend and speak at the following LTC insurance and caregiving conferences in September:

As a MasterClass instructor since 2002 and the Director of Training for CLTC, Bill will be helping to host the invitation-only CLTC Leadership Summit in Minneapolis, MN.

He will also be leading a panel discussion on LTC insurance claims titled, "Calming the Storm: Defining & Addressing Turbulence in LTCI Claims."

Bill then flies directly to Tucson, AZ, to attend the Senior Helpers national conference. He will be representing LTCCP® with a vendor expo booth as well as participating in a panel discussion about how home care agencies can be more effective working with 3rd-party payors like LTC insurance.

A short drive to Scottsdale, AZ, lands Bill in the middle of the Cornerstone Caregiving national conference. He will be promoting Cornerstone's national partnership with LTCCP® to train all of its local Operating Directors in effective LTCI claims management along with direct training sessions during the conference.

Finally, less than a week later, it's Orlando, FL, for the Home Care Association of America National Home Care Conference! LTCCP® will be exhibiting and networking across the entire home industry.

Hopefully Bill can rest up for the 2026 Walk to End Alzheimer's - Triangle, NC, on October 3rd as a walk team leader and Executive Leadership Team member!

Click the logo to the left to donate to the Comfort LTC team's fundraising effort.

LTCCP.com Adds TrustedSite Verification

5/29/2026

LTCCP.com has added the TrustedSite verification tool to our website. In addition to the entire site delivering secure content through our SSL certificate, we now have site security review and verification from TrustedSite.

You can learn more and see our TrustedSite information at this link:
https://www.trustedsite.com/verify?js=1&host=ltccp.com&lang=EN

If you ever have any questions or concerns about our website and data security,
please CONTACT US anytime.

LTCCP® Moves OnLine Class Portal to Zoho Learn

5/14/2026

Effective immediately, the LTCCP® course on-line Learning Management System has moved to Zoho Learn.

All enrolled students who have NOT yet passed their Final Exam, must Sign Up as a new student in the course's Zoho Learn on-line class portal. E-mails with Zoho Learn Sign Up instructions have been sent to all active students - check your spam/junk folders if not received. Or CONTACT US HERE for the Zoho Learn Sign Up link.

The Final Exam is now fully operational within Zoho Learn, along with live Zoom class registrations, and resource downloads. The chapter review quizzes are also now fully restored in the new class portal.

While we are sorry for any disruption to our students' learning process and the extra steps now required to continue your studies, we expect this change to enhance our opportunities to expand the on-line learning resources and have more control over on-line class portal management.

LTCCP® graduates do not need to take any new action.

This change was driven by the shutdown of the Canvas LMS system we had been using by its parent company Instructure after a cybersecurity event last week. Instructure paid a ransom to the hackers for the return and destruction of all data seized. LTCCP® and LTC Claims Training, LLC, were never notified directly that any of our students' information was part of this breech. More information about the Canvas-Instructure cybersecurity event is available in our 5/7 news post/thread below.

Canvas-Instructure Training Site Cyber Attack & Maintenance

5/7/2026

TUESDAY, 5/12 UPDATE FOR CONTINUING STUDENTS:
We have implemented a new on-line class portal for course review materials and the Final Exam. Enrolled students who have not yet passed their Final Exam must now re-register with our new Learning Management System: Zoho Learn.

E-mails were sent on Monday, 5/11 and Tuesday, 5/12 to all enrolled students with instructions and a link to create a new student account with Zoho Learn. Please check your spam/junk folder if you have not yet seen either of these e-mails.

(An initial enrollment setting was creating an error message for some students attempting to Sign Up with Zoho Learn. This has been corrected as of this morning. If you tried to Sign Up with Zoho Learn and received an error message, please use the same link to finalize your registration.)

If you have any questions about the new Zoho Learn class portal, or need the student Sign Up link re-sent, please CLICK HERE to contact us.

We are thankful for your patience and understanding as we work through this necessary systems change.

Click "Read More" below for more detailed information about how the Canvas-Instruture Cybersecurity event impacted our operations ...

New Summer 2026 Live Class Dates Announced

5/7/2026

LTCCP® has just opened three new live (Zoom) training dates for the summer:

JUNE 16th, Tuesday, Noon to 5pm Eastern
JULY 22nd, Wednesday, Noon to 5pm Eastern
AUGUST 19th, Wednesday, Noon to 5pm Eastern

Registration for a specific training session is enabled in the course on-line class portal after enrollment.

ENROLLMENT INFO

LTC Insurance Claims Expected to Peak at $44-Billion in 15 years

3/27/2026

An updated report from the actuarial consulting company Milliman now projects the LTC insurance "claims wave" will peak even higher than it estimated a year ago. From the study:

"The National Association of Insurance Commissioners (NAIC) reported LTCI incurred claims of approximately $17 billion in 2024. We forecast an increase in LTCI paid claims through about 2041, with a peak of paid claims of $44 billion."

That's a 260% increase in LTC insurance claims in the next 15 years!

Claims are also not projected to come back down to today's level for at least 30 years! The study did not include any new LTC insurance sales, so claims will persist at a higher rate than today for more than than 30 years.

Milliman also projects the number of people on claim to increase by 50% over the next 15 years.

This lines up with what we at LTCCP® have already been projecting simply from looking back at the peak LTC insurance sales years 20 to 30 years ago:

More than 7-million Americans own LTC insurance.
- https://www.ahip.org/resources/long-term-care-insurance-coverage-state-to-state-2023
More than half of those policies - close to 4-million - were written between about 1995 and 2005. With 750,000 policies purchased at the sales peak in 2002.
Because of dramatically low lapse-rates - less than 1% of LTCI policyholders voluntarily drop their coverage - nearly ALL of those policies are still in force, and they are now hitting their peak claim years 20 to 30 years later.
Think about it ... a 60-year-old who bought LTC insurance in 2002 is now 84-years-old!

Are you - is your business - ready for this LTC insurance "claims wave"?!

You can read the full 2026 LTCI claims study from Milliman by clicking this link:
www.milliman.com/en/insight/annual-us-industry-ltci-claims-projection-2026

Bill Comfort to Speak at SYNERGY HomeCare Annual Franchise Meeting

3/16/2026

LTCCP® founder and LTC insurance specialist, Bill Comfort will be speaking at the SYNERGY HomeCare Annual Franchise Meeting (AFM) on April 14th in Clearwater Beach, FL.

Bill will be part of a main stage panel discussion and will present during a breakout session on the opportunities and challenges facing home care providers with the explosive growth ahead in LTC insurance claims.

SYNERGY franchise owners and their employees are eligible for a tuition discount on the LTCCP® certification training. CONTACT US for more information and to receive the discount code.

Bill Comfort to Speak at the ILTCI Conference

2/13/2026

LTCCP® founder, Bill Comfort, will be attending the Society of Actuaries Intercompany Long Term Care Insurance (ILTCI) conference in March. Bill will be teaching the two-day Certification in Long-Term Care-CLTC® Master Class as part of the conference.

In addition to participating in the varied interdisciplinary educational sessions, Bill will be meeting with LTC insurance companies' claims leadership teams to learn about current and emerging claims trends and to advocate for improving the overall claims process for all stakeholders.

Click here for more information about the ILTCI conference.

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