America's Health Insurance Plans

Publications - Long Term Care

Long-Term Care: Understanding Needs and Options

This publication looks at the growing need for long-term care and helps you understand the role of long-term care insurance in satisfying that need. You’ll explore various payment options, including Medicare and Medicaid, and examine the marketing process—selling, underwriting, and post-sales service—in this detailed industry overview.

What You’ll Learn:

  • The explanation of the growing need for long-term care
  • How to identify people who may need care and where it is provided
  • Ways of paying for long-term care, advantages and disadvantages of each method
  • Facts and features of long-term care insurance, how it works, and why it is often the best solution for people who need it
  • Strategies sales professionals and insurance company personnel use to reach the potential market
  • How to explain benefits to people who need coverage
  • Relevant terms, industry issues, case scenarios, and key concepts

Price
$40 AHIP Members; $50 Non-members
To purchase a publication, see the Center’s online catalog.

Course
This publication is used in tandem with the following course:

Earn a Designation
Center designations that you may be interested in pursuing:

Financing Long-Term Care Needs: Exploring Options and Reaching Solutions

As the population ages, there is an increasing need for home health care, assisted living, nursing home care, and other forms of long-term care. This publication gives you a clearer understanding of the economic impact of long-term care and the variety of ways people pay: reliance on family members, government programs, annuities, reverse mortgages, long-term care insurance, estate planning, gift planning, and ethical considerations overall.

What You’ll Learn:

  • The historical perspectives on demographics and economic impact of long-term care
  • Options people have for financing care
  • The pros and cons of using personal savings and assets, or tapping other resources like family, reverse mortgages, private annuities, or life insurance
  • The role of government programs including Medicare and Medicaid
  • The role of long-term care insurance in meeting long-term care needs
  • Planning strategies people should know in preparing for future needs
  • Relevant terms, industry issues, case scenarios, and key concepts

Price
$40 AHIP Members; $50 Non-members
To purchase a publication, see the Center’s online catalog.

Course
This publication is used in tandem with the following course:

Earn a Designation
Center designation that you may be interested in pursuing:

Long-Term Care Insurance Product: Policy Design, Pricing, and Regulation

Examine the specific provisions long-term care policies often contain and how they can best work. With this publication, you’ll look at policy design, pricing, and regulation of provisions, such as inflation protection, renewal privileges, restoration of benefit, contingent non-forfeiture benefit, and others.

What You’ll Learn:

  • The evolution of the long-term care insurance (LTCI) product and innovations insurers have made to better meet consumer needs
  • The impact of HIPAA
  • The primary components of LTCI, including benefit eligibility, benefit amounts, inflation protection, elimination periods, policy maximums, nonforfeiture, renewal, lapse, and other features
  • Premium calculation
  • The relation of long-term care insurance to other insurance products
  • The differences between group versus individual coverage
  • Relevant terms, industry issues, case scenarios, and key concepts

Price
$40 AHIP Members; $50 Non-members
To purchase a publication, see the Center’s online catalog.

Course
This publication is used in tandem with the following course:

Earn a Designation
Center designation that you may be interested in pursuing:

Long-Term Care Insurance: Administration, Claims, and the Impact of HIPAA

You can ensure that you have a well-rounded background on long-term care insurance products and service by acquiring more know-how from this publication. You’ll learn the process of claims administration, with a focus on the impact of HIPAA, as well as underwriting, policy issuance, premiums, and reporting.

What You’ll Learn:

  • The practices and procedures in several administrative areas, including underwriting, issuance, premiums, policy maintenance, policyholder services, and reporting
  • How claims are processed
  • The steps insurers take to control claim costs and hold down premium prices
  • The impact of HIPAA
  • Relevant terms, industry issues, case scenarios, and key concepts

Price
$40 AHIP Members; $50 Non-members
To purchase a publication, see the Center’s online catalog.

Course
This publication is used in tandem with the following course:

Earn a Designation
Center designation that you may be interested in pursuing: