Blog Posts

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:

"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."

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/

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?!

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."

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:

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

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.

Course Review from a Home Care Agency Owner

2/25/2025

"I cannot recommend the LTCCP® training course on long-term care insurance enough!

"As someone deeply involved in the home care industry, I found the course incredibly insightful and practical. It provided a clear understanding of the complexities of long-term care insurance, from policy structures to claims processes to elimination period hurdles, making it easier to guide clients and families in making informed decisions.

"The real-world examples and expert-led discussions by Bill were invaluable, equipping me with the confidence to navigate conversations with clients and their families.

"Whether you’re new to long-term care insurance for home care or looking to refine your knowledge, this course is a must!"

- Amy Petersen-Smith
Senior Helpers Home Care Agency Owner

LTCCP® Approved for CCM® PACE Renewal Credits

2/7/2025

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.

What students are saying about the LTCCP® course

1/17/2025

"This course is fantastic. Especially after I hear over and over from people who are frustrated by claim denials, this course is really giving me the perspective on that problem that I was missing."
- P.C., Elder Law Attorney

"LTCCP® gives care providers and their companies the critical tools they need to quickly navigate the long term care insurance claims process. With this training, a professional in the fields of home care or residential care raises his or her value to their clients and families by making a commitment to help them receive the compensation they invested so much money in over the years."
- K.K., Home Care Advisor

"As an Elder Care Consultant and placement professional, I am proud to be able to add the LTCCP® designation to my area of expertise. I am confident that the in-depth knowledge that I have gained around LTC insurance policies and the claims process will greatly benefit my clients and partners in the industry. Our commitment has always been to provide education to our clients so they are confident in the decisions they make. Being able to help them make better decisions because of clarity around their benefit eligibility will provide an additional layer of peace of mind."
- P.F., Senior Living Placement Specialist

"If you’re a financial advisor, LTCI Specialist, home care or facility provider, etc., you NEED to know the ins and outs of the LTC insurance claims process and I highly recommend you take this training!"
- K.A., LTC Insurance Specialist

"Just finished your LTCCP® online class. The class was great and very informative. I use my ability to understand clients’ LTC policies as a marketing tool for my agency. I also use the LTCCP® designation to market to senior communities for possible new residents thinking of moving into the community. I help potential new residents understand their policy and what it can cover for home care in independent living. I have helped activate benefits for them on many occasions. It is a win, win as I earn preferred referral status from the communities and get to work in those communities providing care. Thanks again!"
- M.M., Home Care Agency Owner

Learn more:

CURRICULUM

ENROLLMENT

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.

Bill Comfort Featured on Senior Helpers Podcast

12/16/2024

LTCCP® course creator and lead instructor, Bill Comfort, was recently featured on the Senior Helpers LIFE Conversations podcast. Links to both episodes are below.

The two-part conversation addresses Planning for care, when and how to buy LTC insurance, and many of issues to consider when navigating the LTC insurance claims process. The LTC claims discussion starts at about 13:30 in Part 1, and continues at the start of Part 2.

Many thanks to the team at Senior Helpers for the opportunity to be part of their educational podcast series!

Link to Part 1:
https://www.seniorhelpers.com/resources/podcast/episode-23-understanding-long-term-care-insurance-expert-advice-from-bill-comfort-part-1/

Link to Part 2:
https://www.seniorhelpers.com/resources/podcast/episode-24-understanding-long-term-care-insurance-expert-advice-from-bill-comfort-part-2/

Average Age of LTCI Claim is 80

12/12/2024

Think about this. If the average age that a person with LTC insurance goes on claim is 80-years-old*, when did that person BUY their coverage?

Right, on average, somewhere between ages 55 and 65. So 15 to 25 years ago. The majority of all LTC insurance policies - nearly 4-million policies - were issued in just 10 years between 1995 and 2005. 20 to 30 years ago.

There is a huge LTC "claims wave" coming. Are you ready?

Older LTC insurance policies don't all work the same way that new polices today do. Do you know how to effectively understand older LTC insurance contracts to help your caregiving or financial services clients navigate the claims process as they age?

This is the mission of the Long-Term Care Professional - LTCCP® training course:

Our mission is to educate long-term care providers and other professional advisors about how to work more effectively on behalf of clients with LTC insurance at the time of claim.

The goal of LTCCP® is to improve the quality and availability of long-term care services for clients who own LTC insurance by equipping the care professionals who serve them with greater competency when managing and participating in the claim process.

CONTACT US HERE for more information!

*	www.mcknightsseniorliving.com/news/80-is-the-mean-age-for-long-term-care-insurance-claims-study-finds/

<<Previous

Forward>>

ED Nurse Finds Value in LTCCP® Training

LTCCP® Training Featured in McKnight's Home Care

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

LTC Insurance Claims Expected to More Than DOUBLE in 16 years!

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?!

LTCCP® Approved for Care Manager Certified - CMC Continuing Ed

Course Review from a Home Care Agency Owner

LTCCP® Approved for CCM® PACE Renewal Credits

What students are saying about the LTCCP® course

LTCCP® Coursework Approved for CSA CE Credit

Bill Comfort Featured on Senior Helpers Podcast

Average Age of LTCI Claim is 80

CONTACT US HERE for more information!

Bill Comfort

Archives

Categories

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

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?!

Bill Comfort

Archives

Categories

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?!