America's Health Insurance Plans

Courses - Disability

Disability, Part I (Primer)

Your clients, like many people, are probably unaware of the major financial loss that can result from a long-term disability, or they mistakenly believe that government programs will cover this loss. This online and newly updated course analyzes the financial risk of disability; it describes Social Security disability insurance, workers’ compensation, and other government programs; and shows you why they do not provide adequate benefits for most as well as explain how disability income (DI) insurance can provide sufficient benefits. Employer-sponsored group DI coverage is briefly described (it is fully covered in the third course of this series), while Individual DI insurance is examined in detail, with a focus on underwriting, contract provisions, and claims administration. To facilitate study and review, short quizzes are included in each section of the course.

What You’ll Learn:

  • The need for DI insurance
  • Risk and cost associated with disability
  • Various sources of DI insurance
  • Descriptions of individual, government, and employer-sponsored plans
  • How DI insurance works
  • Underwriting processes, contractual provisions, claims, and taxation
  • Information on emerging trends in the DI field
  • Corporate trainers responsible for development of sales staff
  • Relevant terms, case scenarios, and key concepts

Who Should take this Course:

  • Agents and brokers who specialize in group and individual DI insurance
  • Benefit plan sponsors and staff
  • Health underwriters
  • Claims analysts
  • Financial planners
  • Consumers and others in related fields who seek more knowledge of the DI insurance product and market

Enrollment
$195 AHIP Members; $255 Non-members



To enroll in a course, or purchase a text book, please log in, and browse our Center’s online catalog. If you are a new user, please register for an account to get started.

Publication
Disability Income Insurance: A Primer
$40 AHIP Members; $50 Non-members

Earn a Designation
This course applies toward the following Center designations:

Continuing Education Credits

  • The International Board of Standards and Practices for Certified Financial Planners (IBCFP) has approved this course for 20 CE credits.
  • The Commission for Case Manager Certification (CCMC) grants 20 contact hours for this course.
  • Many state insurance departments have approved the course for continuing education (CE) credits. You can check the Center's CE website at http://ahipce.insurancestudy.com to see if CE credits have been approved by your state.

Co-Sponsors
This course is co-sponsored by America’s Health Insurance Plans (AHIP), the International DI Society, the National Association of Insurance and Financial Advisors (NAIFA), and the National Association of Health Underwriters (NAHU).

Disability, Part II (Advanced Issues)

Designed for financial services and insurance professionals looking for innovative solutions to consumer needs, this online and newly updated course offers you advanced techniques to identify needs and advanced strategies for addressing specific disability income (DI) needs. It focuses on coordinating DI planning with other aspects of an individual’s overall financial plan. You’ll acquire knowledge of specialized products, such as disability business overhead expense (BOE) insurance and key-person DI, and examine a variety of tax-qualified and nonqualified retirement plans. You’ll learn about DI in relationship to college funding, long-term care provisions, and estate planning, along with IRS rules and tax implications that may apply. To facilitate study and review, short quizzes are included in each section of the course.

What You’ll Learn:

  • The role of standard DI policies in providing basic coverage
  • The variety of ways to structure DI programs to meet employee needs
  • The role of DI in advanced personal, estate, and long-term care planning
  • Tax and ERISA considerations
  • Definitions of tax-qualified retirement plans, selective wage continuation plans, and disability buy-out
  • Detailed descriptions of the various types of 401(k) plans—traditional, Safe Harbor, SIMPLE, and Roth plans—along with IRS rules that apply
  • Facts on emerging trends in the DI field
  • Relevant terms, case scenarios, and key concepts

Who Should take this Course:

  • Agents and brokers who specialize in group and individual DI insurance
  • Financial planners
  • Benefit plan sponsors and staff
  • Health underwriters
  • Claims analysts
  • Corporate trainers responsible for development of sales staff
  • Consumers and others in related fields who seek more knowledge of the DI insurance product and market

Enrollment
$195 AHIP Members; $255 Non-members



To enroll in a course, or purchase a text book, please log in, and browse our Center’s online catalog. If you are a new user, please register for an account to get started.

Publication
Disability Income Insurance: Advanced Issues
$40 AHIP Members; $50 Non-members

Earn a Designation
This course applies toward the following Center designations:

Continuing Education Credits

  • The International Board of Standards and Practices for Certified Financial Planners (IBCFP) has approved this course for 20 CE credits.
  • The Commission for Case Manager Certification (CCMC) grants 20 contact hours for this course.
  • Many state insurance departments have approved the course for continuing education (CE) credits. You can check the Center's CE website at http://ahipce.insurancestudy.com to see if CE credits have been approved by your state.

For more information about continuing education credits for this course, visit http://ahipce.insurancestudy.com.

Co-Sponsors
This course is co-sponsored by America’s Health Insurance Plans (AHIP), the International DI Society, the National Association of Insurance and Financial Advisors (NAIFA), and the National Association of Health Underwriters (NAHU).

Disability, Part III (Group and Worksite Issues)

This online and newly updated course focuses on group disability coverage, a popular benefit that many employers offer, along with voluntary worksite plans, a related product that shifts costs to employee-participants. You’ll also get a comparative look at other sources of disability income, such as Social Security, state temporary disability income insurance, and workers’ compensation and find out why these programs often fail to meet more than basic needs. The course examines pricing and underwriting issues and describes basic and special product features to provide you with a keen understanding that is necessary for marketing, sales, underwriting, and administration of group DI insurance. To facilitate study and review, short quizzes are included in each section of the course.

What You’ll Learn:

  • Why group disability income (DI) coverage is popular with employers and employees
  • Recent trends toward voluntary plans paid for largely by employees
  • Facts about government programs like Social Security and workers’ compensation
  • The definition of short-term and long-term DI coverage
  • The difference between individual and group plans
  • Selection and underwriting processes
  • Strategies for marketing and sales
  • Regulatory and tax considerations
  • Relevant terms, case scenarios, and key concepts

Who Should take this Course:

  • Agents and brokers who specialize in group and individual DI insurance
  • Financial planners
  • Human resources and employee benefit specialists
  • Benefit plan sponsors and staff
  • Health underwriters
  • Claims analysts
  • Corporate trainers responsible for development of sales staff
  • Case managers, medical directors who seek more knowledge of insurance products
  • Consumers and others in related fields who seek more knowledge of the DI insurance product and market

Enrollment
$195 AHIP Members; $255 Non-members



To enroll in a course, or purchase a text book, please log in, and browse our Center’s online catalog. If you are a new user, please register for an account to get started.

Publication
Disability Income Insurance: Group and Worksite Issues
$40 AHIP Members; $50 Non-members

Earn a Designation
This course applies toward the following Center designations:

Continuing Education Credits

  • The International Board of Standards and Practices for Certified Financial Planners (IBCFP) has approved this course for 20 CE credits.
  • The Commission for Case Manager Certification (CCMC) grants 20 contact hours for this course.
  • Many state insurance departments have approved the course for continuing education (CE) credits. You can check the Center's CE website at http://ahipce.insurancestudy.com to see if CE credits have been approved by your state.

For more information about continuing education credits for this course, visit http://ahipce.insurancestudy.com.

Co-Sponsors
This course is co-sponsored by America’s Health Insurance Plans (AHIP), the International DI Society, the National Association of Insurance and Financial Advisors (NAIFA), and the National Association of Health Underwriters (NAHU).