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Long Term Care

Long-Term Care (LTC) insurance covers a variety of medical and non-medical services for people who need care based upon disability, trauma or chronic illness. When one of these conditions limits an individual's ability to carry out basic self-care tasks (Activities of Daily Living or ADLs) such as dressing, bathing, and using the bathroom, LTC insurance benefits provide coverage for the necessary care of the insured.

About 60 percent people over age 65 will require some type of long-term care services during their lifetime. Consider the following factors that may increase one's risk of needing long-term care insurance:

  • Age – one's health typically deteriorates with age
  • Marital Status - single people are more likely to need care from a paid provider
  • Gender - women tend to live longer than men, thus are considered a higher risk
  • Lifestyle – alcohol, poor diet and/or reduced exercise can increase one's risk
  • Health and Family History – genetics play a large part in one's health
It is important to understand the differences among the public programs and private financing options for long-term care services. Each public program and each private financing source has its own rules for what services it covers, eligibility requirements, co-pays, and premiums.

A Long Term Care policy can be an excellent strategy for some individuals, not such a good idea for others. Advisors/Agents need to exercise prudent suitability standards when making recommendations to clients about the use of LTCI as a means to protect themselves against insolvency.

Let VendorPedia help you with additional long term care resources!

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Examination Requirements

Each exam varies, depending upon the course:
  • ARe 143/144, ARM 56, AIAF 114: Eighty-five computer-administered, objective (multiple-choice) questions. Time allotted: 2 hours.

  • ARe 145: Students must answer 5, 10, or 15 multiple-choice questions on each article, and one must correctly answer 150 questions to complete the course. There will be at least 40 articles available from which to choose.

  • CPCU 520 and 540: Computer-administered essay. Time allotted: 3 hours.
National exams are given at local testing centers during the following two-month windows:
  • January 15 - March 15
  • April 15 - June 15
  • July 15 - September 15
  • October 15 - December 15
Contact Prometric testing centers at 800-266-3232 for more information or to schedule your exam; Exam fees will apply.

Ethics Requirement

Those pursuing the ARe designation must pass a 50-question exam in the Ethical Guidelines For Insurance Professionals online module. This module is offered by the Institutes at no charge. If you wish to earn CE credits for passing the 50-question, objective, online exam included with it, there is a nominal $5 administrative fee.

Additional Requirements

Candidates are not required to meet experience or education requirements to attain this designation.

Continuing Education Requirements

A designee is not required to fulfill any annual continuing education requirements, nor are there any annual fees for a designee to maintain the designation.
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