Florida 8-Hour Long-Term Care Insurance Training Online: DFS-Approved and Live

Florida requires any producer who solicits or sells long-term care (LTC) insurance or LTC Partnership policies to first complete an initial 8-hour LTC producer training. The requirement is a condition precedent under Rule 69O-157.1155, F.A.C., Florida's adoption of the NAIC Long-Term Care Insurance Model training standard, and it applies to life and health producers (2-15, 2-14, and 2-40 license types) before they place their first LTC policy.

This is a one-time initial training. After completing it, a producer who continues to sell LTC takes a shorter ongoing refresher in later compliance periods rather than repeating the full 8 hours. National Course Portal offers the initial 8-hour course now, with the 4-hour ongoing refresher as a companion.

The course covers long-term care services and settings (home care, adult day care, assisted living, and skilled nursing), who needs LTC and the Medicare coverage gap, and how LTC insurance works - the benefit triggers (the inability to perform activities of daily living or severe cognitive impairment), the benefit amount and period, the elimination period, and inflation protection.

It then covers policy types (traditional standalone, hybrid life-plus-LTC and annuity-plus-LTC, and tax-qualified vs. non-qualified), the Florida Long-Term Care Partnership Program (F.S. 627.94075) and its dollar-for-dollar Medicaid asset protection, Medicaid basics (the asset and income tests, the five-year look-back, and the Partnership interaction), the suitability and disclosure requirements (the Shopper's Guide, the Outline of Coverage, the mandatory inflation-protection offer), replacement and free-look rules, and senior and vulnerable-consumer protections.

National Course Portal prices the approved 8-hour initial LTC training at $34.99, all-inclusive: the full course text and materials, the monitored final examination, bilingual delivery, and completion reporting to Florida through DICE. There is no separate charge for materials or for the exam.

Because the training is a mandated producer requirement rather than a Pearson VUE licensing exam, the value is in clean, current content and reliable DFS reporting - so the completion posts to the producer's record without a hitch and the producer can begin writing LTC business.

Completing the 8-hour initial training satisfies the LTC producer-training condition; it does not, by itself, satisfy a producer's full biennial continuing-education hour requirement, and it does not replace the ongoing LTC refresher due in later compliance periods. Producers remain responsible for their overall CE, license renewal, and appointment requirements.

Keep the certificate and completion record with your licensing file, and confirm the hours posted through your MyProfile account.