All graduates of the Certified in Long-Term Care (CLTC) program are required by the independent CLTC Board of Standards , Inc . (Board) to renew their designation yearly, at which time they must show that they have maintained a minimum standard of competence. It is based on the principal that graduates can continue to serve their clients with the highest degree of professionalism only if kept informed on advances in planning techniques and changes in both the long-term care insurance market and regulatory bodies.

The Board has determined that this essential information is not currently available through continuing education programs. After a thorough review of the content available on the CLTC Graduate web site (Site) the Board has determined that it provides the tools to meet the minimum standards to maintain competency.

The products, services and information available on the Site are supported only through renewal fees. The Board has determined that accepting funding from the insurance industry or referral fees from vendors would compromise the integrity of the CLTC designation.

The payment of an annual renewal fee demonstrates a commitment to continuing education by giving you access to the material necessary to meet the minimum standard of competence called for. Graduates who do not pay said fee have made a decision not to remain engaged in the profession at the level required by the Board and therefore will be considered to have voluntarily relinquished their CLTC designation. The individual will be removed from our list of graduates, denied access to the Graduate web site and, if appropriate, notice of same will be forwarded to that person's company.

To avoid any future misunderstanding, potential candidates are required to agree to the following Pledge before they can register for the CLTC program:

1. I understand that acquiring the CLTC designation is the first step in a commitment to the profession of long - term care planning.
2. I understand that to serve my clients with the highest degree of professionalism I must stay informed on advances in planning techniques and changes in both the long-term care insurance market and regulatory bodies.
3. I understand that the CLTC Board of Standards has set minimum educational criteria for renewing the designation. I further understand that the materials and services that allow me to meet those criteria are contained in the CLTC Graduate web site. Failure to renew access to required continuing education will act as a voluntary relinquishment of the CLTC designation.
4. I hereby agree to abide to the terms of the CLTC Code of Professional Responsibility , including continued learning.

CLTC Renewal Policy

Beginning one year after the date you pass the exam one of the following plans is required:

• Annual Plan: $150.00 by check, credit card or money order.
• Monthly Plan: $10.00 per month credit card payment (This payment option is only available if made prior to the last day of renewal month).
• Lifetime Membership: $895.00 by check, credit card or money order. Benefits include: Lifetime listings in the monthly newsletters, the graduate website, the CLTC Journal, 2 copies of Harley Gordon's book, "Let's Talk", attendance at a free Master Class, and recognition at CLTC conferences.

July 1, 2006