NAIC? State Specific?...What do I take?

The following grid is being provided as a quick reference guide for understanding which training must be completed for LTC compliance in particular for those agents selling in multiple states. We understand that carrier and state regulations can be very confusing when agents sell across state borders or with multiple carriers. Because of that we have created this grid as a "cheat sheet" to help point you in the right direction for your training.

**Disclaimer: This is for reference only. We have done our utmost to make this an accurate representation of those requirements as published by the states and carriers, but in life things are always changing so make sure to confirm your training requirements with your carrier or compliance personnel prior to enrolling for a course.

Reciprocity

Training in your home state will often satisfy training in another state. This is easily identifiable below when both states are marked as NAIC which means when the state adopted their training guidelines they did so following the recommended curriculum from the National Association of Insurance Commissioners (NAIC). If a state you sell in says State Specific then you should expect there will be some additional training materials within your content if you are a resident; and an additional training supplement to take if you are a non-resident selling in that state.

If you are selling in one of the Original Four (California, Connecticut, Indiana, and New York) then you should know by now that you're what we like to think of as "special". You will need to take your own training which is completely different and has been in existence long before the NAIC put any model in place.

If you sell in a state that has an asterisk (State Specific*) then you are selling product in a state that went so far from the recommendations that your training is about as unique as one of the Original Four. In some cases you need to take less training (Delaware and Utah) while in others you need to take more (Colorado). Reciprocity with these states gets very tricky and there are some ways to help make it work to your advantage. Review your training guidelines thoroughly and then discuss with your carrier, compliance personnel, or give your education provider a call to best determine which courses you should complete.

To best understand which states will accept training from another, we strongly recommend you review your state's requirements published on ClearCert. ClearCert is an independent third party that monitors agent completion data for the benefit of the carriers.

Multi-State Agent Initial Certification

If you sell across state borders then here are some guidelines we usually provide for which class combination to take.

All the states you sell in are listed as NAIC - take your training in your resident license state so you can be sure to receive insurance CE towards your license renewal. The rest of the states you sell in should accept your training reciprocally.

You sell in states marked as NAIC, but also a few listed as State Specific - if your home state is State Specific then start with that so you get the insurance CE like we discussed above. If your home state is NAIC, then I would find the strictest State Specific state you sell in and take their initial training without the insurance CE. Here's why I recommend this - the NAIC states should accept it reciprocally since the content you take in a State Specific state is more robust than what you would have taken in the NAIC state. If you sell in more than one listed as State Specific then you'll likely have to do something for each so take a look at the grid below and see if there are supplemental courses you need to take as a non-resident. Be prepared to take those.

You sell in states marked as NAIC, State Specific and one of the Original Four - I mentioned it above and I'll say it again, you're something special. You are quite the agent and I bet you are so busy with all these states you don't have time for training. Unfortunately you'll have the most to do.  You'll need to take the training mandated in each original state and then you'll also need to do the same as the guys above depending on if you're NAIC, State Specific, or both.

 

LTC Product State

Date Effective

Initial Certification

Renewal Training

Non-Resident Supplement

Alabama

03/01/2009

NAIC

NAIC

 

Alaska

07/01/2011

NAIC

NAIC

 

Arizona

07/01/2009

NAIC

NAIC

 

Arkansas

07/01/2008

NAIC

NAIC

 

California

Original 4

California Only

California Only

 

Colorado

01/01/2009

State Specific*

State Specific*

 

Connecticut

Original 4

Connecticut Only

 

 

Delaware

07/01/2008

NAIC

NAIC

 

DC

 

n/a

 

 

Florida

12/31/2007

State Specific

NAIC

 

Georgia

01/01/2009

State Specific

NAIC

2 Hour Supplement

Hawaii

 N/A

n/a

 

 

Idaho

11/01/2007

NAIC

NAIC

 

Illinois

07/01/2008

NAIC

NAIC

 

Indiana

Original 4

Indiana Only

 

 

Iowa

10/19/2009

NAIC

NAIC

 

Kansas

07/01/2010

NAIC

NAIC

 

Kentucky

02/27/2009

State Specific

NAIC

 

Louisiana

07/06/2010

NAIC

NAIC

 

Maine

09/20/2007

NAIC

NAIC

 

Maryland

09/10/2007

NAIC

NAIC

 

Massachusetts

07/01/2014

State Specific

State Specific

2 Hour MassHealth Supplement

Michigan

10/19/2016

State Specific

NAIC

 

Minnesota

01/01/2008

State Specific

State Specific

2 Hour MA & LTCP Supplement

Mississippi

 N/A

n/a

 

 

Missouri

08/01/2008

NAIC

NAIC

 

Montana

07/01/2008

NAIC

NAIC

 

Nebraska

08/01/2008

NAIC

NAIC

 

Nevada

10/01/2011

NAIC

NAIC

 

New Hampshire

03/15/2010

NAIC

NAIC

 

New Jersey

07/01/2009

NAIC

NAIC

 

New Mexico

 N/A

coming soon

 

 

New York

Original 4

New York Only

 

 

North Carolina

03/05/2010

NAIC

NAIC

 

North Dakota

07/01/2008

NAIC

NAIC

 

Ohio

09/01/2008

State Specific

NAIC

 

Oklahoma

09/01/2008

NAIC

NAIC

 

Oregon

01/31/2008

NAIC

NAIC

 

Pennsylvania

04/01/2011

State Specific

NAIC

 

Rhode Island

01/01/2008

NAIC

NAIC

 

South Carolina

07/01/2009

State Specific

State Specific

 

South Dakota

07/01/2008

State Specific

NAIC

1 Hour Medicaid Supplement

Tennessee

07/01/2009

State Specific

NAIC

 

Texas

01/01/2009

NAIC

NAIC

 

Utah

05/10/2011

NAIC

NAIC

 

Vermont

04/01/2010

State Specific

NAIC

2 Hour Supplement

Virginia

09/01/2007

State Specific

NAIC

2 Hour Supplement

Washington

01/01/2009

State Specific

NAIC

 

West Virginia

07/01/2009

NAIC

NAIC

 

Wisconsin

10/27/2007

State Specific

State Specific

2 Hour Initial Medicaid Supplement
1 Hour Renewal Medicaid Supplement

Wyoming

07/01/2010

NAIC

NAIC