Certified in Long Term Care® (CLTC®): What it Means and Why it Matters

The Certification in Long-Term Care (CLTC®) is a professional designation that equips advisors with the expertise to guide clients through the complexities of extended care planning. Earning the CLTC® demonstrates a commitment to understanding the emotional, physical, and financial impacts of long-term care on families, enabling professionals to develop strategies that protect clients’ well-being and assets. This certification is recognized across various fields, including insurance, financial services, law, and accounting.​

What Is a CLTC® Professional?

A CLTC® professional is an advisor trained to address the multifaceted challenges associated with long-term care. These professionals possess a deep understanding of the consequences that extended care needs can have on individuals and their loved ones. They are skilled in crafting comprehensive plans that consider not only financial implications but also the emotional and physical toll on families. By focusing on proactive planning, CLTC® professionals help clients navigate the uncertainties of aging and chronic illness with confidence.​

How Do Financial Advisors Earn the CLTC® Certification?

To attain the CLTC® designation, financial advisors must complete the following steps:​

• Education: Enroll in either a two-day Master Class or an online course offered by the Certification for Long-Term Care. ​
• Examination: Successfully pass an online, closed-book final exam.
• Continuing Education: Complete a course every two years to maintain the certification. ​

These requirements ensure that CLTC® professionals remain knowledgeable about the latest developments in long-term care planning.

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Benefits of Working With a CLTC®

Choosing to work with a Certified in Long-Term Care (CLTC®) professional offers several key benefits that go beyond basic financial planning. These advisors are specially trained to navigate the complex and often emotional challenges associated with aging and extended care. Here are the primary advantages:

1. Proactive Care Planning

CLTC® professionals help clients plan before a long-term care crisis occurs. This forward-thinking approach allows individuals and families to make informed decisions about care preferences, costs, and responsibilities—avoiding last-minute decisions under stress.

2. Holistic Financial Guidance

Unlike general financial advisors, CLTC® professionals incorporate long-term care into the broader context of financial well-being. This includes evaluating insurance options, protecting assets, and ensuring a retirement plan accounts for the possibility of future care needs.

3. Family Impact Awareness

Extended care affects more than just the individual—it can emotionally and financially burden family members. CLTC® professionals are trained to create strategies that reduce the strain on loved ones, often by clarifying roles and outlining funding solutions.

4. Expertise in Insurance Solutions

Many long-term care plans involve insurance products such as traditional LTC policies or hybrid life/long-term care policies. CLTC® designees understand these products in depth and can match clients with the most suitable options.

5. Personalized and Ethical Advice

CLTC® professionals follow a strong ethical framework and are committed to providing tailored solutions that align with a client’s goals, resources, and values. Their training emphasizes empathy and transparency, which fosters trust and lasting relationships.

Summary

The Certification in Long-Term Care (CLTC®) signifies a professional’s dedication to mastering the complexities of extended care planning. CLTC® professionals are equipped to guide clients through the emotional, physical, and financial aspects of long-term care, ensuring comprehensive strategies that protect both individuals and their families. Engaging a CLTC® professional can provide peace of mind and a clear path forward in preparing for future care needs.

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Governing Body: The CLTC® certification is administered by the Certification for Long-Term Care.​Certification for Long-Term Care

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FAQs

What does a CLTC® professional do?

A CLTC® professional assists clients in developing comprehensive plans for potential long-term care needs, considering financial, emotional, and logistical factors to ensure preparedness for extended care situations.​

Is the CLTC® certification recognized nationwide?

Yes, the CLTC® certification is nationally recognized and respected across various professional fields, including financial services, insurance, law, and accounting.​

How long does it take to earn the CLTC® certification?

The time to earn the CLTC® certification varies; candidates can choose between a two-day Master Class or an online course, followed by an exam. 

Do CLTC® professionals have ongoing education requirements?

Yes, to maintain the certification, CLTC® professionals must complete a course every two years. ​

Can a CLTC® professional assist with Medicaid planning?

Yes, CLTC® professionals are knowledgeable about various funding options for long-term care, including Medicaid, and can help clients navigate and plan accordingly.​