CHOOSING
A CLTC PROFESSIONAL
Long-term
care is a complex field
Long-term
care is a profession that interacts with other professions
such as law, financial planning, taxes, home care and
social services. As such, individuals who make a career
commitment also make a life-long commitment to education.
Long-term
care is not about insurance; it is about solving problems
that may arise if you or a family member becomes incapacitated.
Who
do I trust to help me solve the long-term care puzzle?
It is
always sound strategy to deal with individuals who have
made a commitment to their particular profession. They
do this by joining organizations that offer continuing
education. Many have taken the next step of becoming certified
in their field.
For
example, "CLU", ChFC" and or "CFP"
are designations earned by life insurance, financial planners
and other professionals who understand they need to stay
up to date in their fields.
What
does CLTC stand for?
CLTC
stands for "Certified in Long-Term Care," a
designation granted by the Corporation For Long-Term Care
Certification. CLTC graduates have completed a rigorous
multidisciplinary course that focuses on the profession
of long-term care. The program is recognized by state
regulators, through the granting of continuing education
credits, as having provided essential information necessary
to the appropriate sale of long-term care insurance.
Why
choose an individual with a CLTC designation?
Long-term
care insurance is a complex product. It offers many forms of protection and pricing
structures. A CLTC professional is highly trained in the
field of long-term care and knows the right questions to
ask. Their goal, like all professionals, is to help you
solve your needs.
He or
she also works closely with other professionals including
elder law attorneys. Together they can establish a plan
that takes into consideration your circumstances and ability
to pay.
Does
it cost more to work with a CLTC professional?
No. Like
all professionals selling insurance products, CLTC graduates
earn a living from commissions paid from insurance carriers.
There is no premium charged for the expertise they bring
to the table.
How
do I know if a CLTC professional is still certified?
Please
visit our graduate
listings to see if the person you are dealing with is
accredited.
