LTCCP - Long-Term Care Claims Professional
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Discounted Tuition Opportunities

4/17/2025

 

Several organizations and networks of providers have endorsed the Long Term Care Claims Professional - LTCCP® training program and members can receive a significant discount.

Home care agencies with the following companies / organizations qualify for reduced tuition:

- Senior Helpers
- Approved Senior Network Marketing (ASN)
- CareScout Quality Network

CLICK HERE TO CONTACT US for more information,
​and how to access the discounted tuition rate.

"The Baby Boomers Are Coming (for LTC Benefits)"

4/2/2025

 
More media attention on the coming LTC insurance Claims Wave!

LTCCP® founder and lead instructor, Bill Comfort, CSA, CLTC®, LTCCP®, was on the LTC claims panel at the ILTCI - The Intercompany Long Term Care Insurance Conference featured in this report - CLICK the link below to read the full article:
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https://www.thinkadvisor.com/2025/03/31/the-baby-boomers-are-coming-for-ltc-benefits/
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ED Nurse Finds Value in LTCCP® Training

4/1/2025

 
Emergency Department nurse, Eliseo Taganlangit, RN, CCM, LTCCP®, recently completed the Long Term Care Claims Professional  training.  He is a passionate advocate for the nursing profession, and for nurses to use their professional expertise to expand their services to serve their patients no matter what type of care setting they practice in.

In addition to earning the LTCCP® designation, Eliseo also earned recertification CE credits for his Certified Case Manager (CCM®) designation.  Congratulations, Eliseo!

Here is what Eliseo had to say about what the LTCCP® training means for him, and what he sees as the value of this training for his nursing colleagues:​
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"Nurses have a unique and growing role to play in helping to guide their patient’s care decisions and care transitions, from the emergency department to skilled or custodial care at home.
 
"The LTCCP® designation allows me as a nurse to expand my professional expertise as part of the retirement planning round table for financial planners, LTC insurance agents, and home care professionals.
 
"Nurses - as the most-trusted professionals for 23 years - should take the LTCCP® course to effectively help their patients and themselves understand how to address long term care needs due to the Silver Tsunami.  This includes advice on how to efficiently and effectively navigate a LTC insurance claim as well as purchasing LTC insurance.
 
"In addition, nurses facing career burnout need a strategy to leave the bedside.  Being certified in LTC insurance claims is the most cost effective way to participate in this hyper-niche that has been funded for 20-plus years by people who are planners.  Being an LTCCP® is a 'non-salesy' way to monetize our nursing experience.  It expands our ability to take care of our patients and continue to be paid well, even allowing for our services be untied from just hospital room charges."
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CLICK HERE to read what other students from a wide range of professions are saying about the LTCCP® course

LTCCP® Training Featured in McKnight's Home Care

3/24/2025

 

LTCCP® founder & lead instructor, Bill Comfort, is extensively quoted in a new McKnight's Home Care article on the LTC "claims wave"

From the article:
Comfort has seen numerous home care claims denied because of ambiguity in written policies. Many of them involve confusion with coverage for activities of daily living (ADLs), which include bathing, dressing and eating. He believes home care providers can alleviate this confusion by educating their caregivers how the claims process works. He provides this education through his Long Term Care Claims Professional-LTCCP certification training program for care providers. 
CLICK HERE to link to and read the full article:
https://www.mcknightshomecare.com/news/wave-of-long-term-care-insurance-claims-growing-faster-than-age-wave-expert-says/
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LTC Insurance Claims Expected to More Than DOUBLE in 16 years!

3/6/2025

 

An actuarial report released today shows that LTC insurance claims are expected to more than double over the next 16 years!

Are you, is your business, ready for the LTC Claims Wave?!
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The new report, "MIlliman's annual U.S. industry LTCI claims projection" was released March 6, 2025, and states:
"The National Association of Insurance Commissioners (NAIC) reported LTCI incurred claims of approximately $16 billion in 2023. We forecast an increase in LTCI paid claims through about 2041, with a peak of paid claims of $42 billion."
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That is a 260% (2.6x) increase in LTC insurance claims!

Looked at another way, about 400,000 people are on LTC claim today - in 16 years that will increase to more than 1-million people on claim.  And the number of claims does not return back to today's level for 30 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:
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  • 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 1995 and 2005.  With 750,000 policies purchased at the sales peak in 2002.
  • Because of dramatically low lapse-rates - less than 1% - nearly all of those policies are still in force, and 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 82-years-old!​

Interestingly, this report only examines the current in-force block of "traditional" LTC insurance and does not count any new sales looking forward nor any of the newer "hybrid" types of policies.  So after 2041, while we will see a decline in the number of people on claim and total value of LTCI claims, the decline will likely not be as dramatic as shown in the graph above.

But for the next 16 years, the number of people needing help navigating the often-complex LTC insurance claims process will continue to dramatically increase.  And the number of claims will not fall back to today's level until 2054!

If you are a professional care provider, care manager, agent or advisor, are you ready to face this LTC Claims Wave?  The Long Term Care Claims Professional - LTCCP® certification training provides the critical education needed to help your clients effectively use their LTC insurance coverage.

LTCCP® Approved for Care Manager Certified - CMC Continuing Ed

3/6/2025

 
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​We are pleased to announce that Care Manager Certified (CMC) designees can now earn continuing education credits toward the recertification of their professional designation!

​The National Academy of Certified Care Managers (NACCM) has approved the coursework for five (5.0) continuing education contact hours.  The CMC continuing education hours are effective immediately for CMC designees who take the course on or after March 6, 2025.

The NACCM trains and certifies professionals with the Care Manager Certified (CMC) designation.

CMC designees are also eligible to join the Aging Life Care Association as an Aging Life Care Professional® at the Advanced Professional level.

CMC designees are responsible for maintaining records of CE courses completed and for filing their credits during their recertification process.

​For more information about the course, enrollment options, and CMC CE credits, CONTACT US here.

LTCCP® Approved for CCM® PACE Renewal Credits

2/7/2025

 
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​We are pleased to announce that board certified CCM® case managers will soon be able to earn CCM PACE credits toward the renewal of their certification.

EFFECTIVE 2/19/2025:​
The LTCCP® training program has been pre-approved ​by The Commission for Case Manager Certification to provide continuing education credit to CCM® board certified case managers.

The course is approved for 3.75 CE contact hour(s) for Certified Case Managers (CCM®) who complete their coursework and Final Exam AFTER February 19th, 2025.

CCM® designees are also eligible to join the Aging Life Care Association as an Aging Life Care Professional® at the Advanced Professional level.

For more information about the course, enrollment options, and CCM® PACE credits, CONTACT US here.

LTCCP® Coursework Approved for CSA CE Credit

1/7/2025

 
The Certified Senior Advisor (CSA)® Certification Council has pre-approved the Long Term Care Claims Professional - LTCCP® program for five (5) hours of CSA Continuing Education (CE) credits.

After completing the course work and passing the final exam, LTCCP® designees will receive a certificate of completion which will note the 5-hours of CSA CE credits.  It is the responsibility of the individual CSA to submit a copy of the LTCCP® certificate/CE credits to CSA via the CSA on-line member portal.

LTCCP® Course Registration Now Open!

12/9/2024

 
  • New student registration is now (re)opened
    • CLICK HERE to register and save with an early-bird discount!
  • The updated and expanded Course Textbook: 3rd Edition is published and ready for delivery.
    • ​An electronic PDF copy is available for download as soon as registration and on-line course access enrollment is completed.
    • A physical textbook will also be mailed to you, but will not arrive for 10-14 days after registration.
  • ​Built on 18 years of LTC insurance claims training expertise, and 30-years of selling LTCI, the LTCCP® course can help you effectively meet the LTC "claims wave" on behalf your business and your clients.
    • The LTC "claims wave" is already coming into home care agencies, assisted living facilities, geriatric care management practices, and financial services advisors offices.
    • Are you ready?!​

CONTACT US here for questions or more information.
Hope to see you in class soon!

NOTE that the LTCCP® course is NOT currently approved for insurance license or CFP CE.
Certified Senior Advisor (CSA)® renewal CE credits are pending.

    Bill Comfort

    Bill is the founder and lead instructor of the LTCCP® program.  He's sold LTC insurance for more than 30 years, has been a CE instructor since 2001, and has conducted LTC insurance claims training since 2006.
    ​CLICK HERE to learn more.

    View my profile on LinkedIn

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LTCCP® Training Endorsed by:
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Continuing Education Credits Pre-Approved by:
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Senior Helpers, ASN, CSA, CMC & CCM logos are registered trademarks - used with permission.
The LTCCP® abbreviation and logo are registered trademarks and may not be used without permission - ​US Patent and Trademark Office, Reg. No. 4,175,081.
"Long Term Care Claims Professional" is a protected Service Mark in use since 2014.
​All images are © Adobe Stock, used with permission.
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