Do I need initial or ongoing LTC training?

If you've never completed LTC Partnership training in Wisconsin, you need the initial 8-hour course (or 12-hour comprehensive course). If you've already completed initial training in a prior license period, you need the ongoing 4-hour refresher, or you can take the 8 or 12 hour course again.

What is the difference between the 4, 8, and 12 hour LTC courses?

The 4-hour course is for ongoing/refresher training only. The 8-hour course fulfills the initial requirement and includes Wisconsin Medicaid training. The 12-hour course combines both the 8-hour and 4-hour content into one course—many agents prefer this because it knocks out more credits with fewer tests.

What is ClearCert and why does it matter for LTC training?

ClearCert is a third-party certification system that many insurance carriers require for LTC and Annuity training. It helps carriers verify that agents have completed required training. CEWisconsin LTC courses are ClearCert approved, so your completion is automatically reported to the ClearCert system for carrier verification.

Wisconsin LTC Partnership Training: What Agents Need to Know in 2026

Q: What is the Wisconsin LTC Partnership training requirement?

Wisconsin requires agents who sell Long-Term Care insurance to complete initial 8-hour training before selling, plus ongoing 4-hour training every license renewal period (every 2 years). This training covers LTC products, Wisconsin Medicaid, and compliance requirements. All LTC training credits count toward your 24 total CE credits.

Q: Does LTC training count toward my 24 CE credits?

Yes! LTC Partnership training courses count toward your total 24 CE credit requirement. If you take the 12-hour LTC course, that is half your CE requirement completed in one course.

What Is LTC Partnership Training?

If you sell (or want to sell) Long-Term Care insurance in Wisconsin, the state requires you to complete specific LTC Partnership training. This is not optional and it is not just a suggestion from your carrier — it is a Wisconsin state requirement.

The Long-Term Care Partnership is a program between states and the federal government that allows people who purchase qualified LTC policies to protect some of their assets from Medicaid spend-down requirements. It is a genuinely good deal for consumers, but it means agents selling these policies need to understand the program inside and out.

The good news? LTC training credits count toward your 24 total CE credits. So you are not doing extra work on top of your regular continuing education — you are knocking out part of your CE requirement while also fulfilling your LTC obligation. That is what I call a two-for-one.

           Quick Summary: LTC Partnership training is required for any Wisconsin agent who sells, solicits, or negotiates Long-Term Care insurance policies. The credits count toward your 24 CE total. Our courses are ClearCert approved, which is what most carriers require.
        

Do You Need LTC Training?

Simple Decision Tree

Do you currently sell LTC insurance, or plan to start?

→ YES: You need LTC training. Keep reading to figure out which course.

→ NO, and I have no plans to: You do not need LTC training. Your regular 24 CE credits (including 3 hours of Ethics) are all you need. Browse all CE courses here.

Already completed initial training in a prior license period?

→ You need the ongoing 4-hour refresher (or you can take the 8 or 12 hour course again — any of them will satisfy the requirement).

Here is an important detail that trips people up: LTC training is only required if you sell, solicit, or negotiate Long-Term Care insurance. If you are strictly a P&C agent who never touches LTC products, you can skip it entirely. But if there is any chance you might write an LTC policy during your license period, get the training done early so you are ready when the opportunity comes.

Understanding the Requirements

Wisconsin's LTC training requirement breaks down into two categories:

Initial Training: 8 Hours

If you have never completed LTC Partnership training in Wisconsin, you must complete the initial 8-hour course before selling LTC insurance. This course covers the fundamentals: LTC products, Wisconsin Medicaid rules, Partnership program details, and compliance requirements. The 8-hour course includes a 2-hour Wisconsin Medicaid-specific module that is unique to our state.

Ongoing Training: 4 Hours

Once you have completed your initial training, you need 4 hours of ongoing LTC training every license renewal period (every 2 years). This keeps you current on regulation changes, product updates, and best practices.

           Pro Tip: You can retake any LTC course in a new license period, even if you took the same course before. So if you loved the 12-hour comprehensive course last time, go ahead and take it again.
        

Your Course Options

We offer three LTC course options. All three are ClearCert approved and count toward your 24 CE credits.

4 hours

LTC Partnership (Ongoing)

For agents who have already completed initial training. Fulfills the ongoing 4-hour requirement.

8 hours

LTC Partnership (Initial)

Required before selling LTC for the first time. Includes Wisconsin Medicaid training.

12 hours

LTC Partnership (Comprehensive)

Combines 8-hour + 4-hour content. More credits, fewer tests. The best value.

My Recommendation: Go With the 12-Hour

I know what you are thinking: "Bill, why would I voluntarily take more hours?" Here is why the 12-hour course is our most popular option:

More credits, fewer tests. You take one course and one test instead of juggling separate courses.
Half your CE is done. Twelve hours out of your required 24 — that is 50% of your CE completed in one shot.
Covers both requirements. Whether you need initial or ongoing training, the 12-hour course satisfies either one.
Same price per credit. At CEWisconsin, you buy credits, not classes. So there is no penalty for choosing the longer course.

           Remember: At CEWisconsin, our all-inclusive price of $81.99 covers all 24 credits — course material, tests, and state submission fees included. No hidden fees. That is true whether you take LTC courses, Ethics, or any combination.
        

What Happens After Training

Your Post-Training Checklist

Complete the course and pass the test — You will need a proctor present (Wisconsin requires a disinterested third party). Passing score is 70%, and you get unlimited free retakes if you need them.
Fill out the affidavit — Both you and your proctor sign electronically. Then I submit your CE credits to the state.
Receive your diploma by email — This is your proof of completion. Save it.
Forward your diploma to your LTC carriers or agency — This is the step people forget. The State of Wisconsin does not track LTC training completion for your carriers. You are responsible for sending your diploma to every carrier you write LTC business with.

           Do Not Skip Step 4. I cannot stress this enough: your carriers need to see your diploma. The state submits your CE credits to your license record, but carriers track LTC compliance separately. If your carrier does not have your diploma on file, they may not let you write LTC business — even though you completed the training. Forward that diploma as soon as you get it.
        

What Is ClearCert?

ClearCert Explained

ClearCert is a third-party certification system that many insurance carriers use to track agent training compliance — particularly for LTC and Annuity courses. Think of it as a clearinghouse: when you complete a ClearCert-approved course, your completion is automatically reported to the ClearCert system, making it easier for carriers to verify you are in compliance.

Why does this matter to you? Because if your carrier requires ClearCert-approved training (and many do), taking a non-approved course means you might have to redo it. All CEWisconsin LTC courses are ClearCert approved, so you can complete your training with confidence that it meets carrier requirements.

You should still forward your diploma to your carriers directly — ClearCert makes verification easier, but it does not replace your responsibility to communicate with your carriers.

Frequently Asked Questions

Does LTC training count toward my 24 CE credits?

Yes! LTC Partnership courses count toward your total CE requirement. If you take the 12-hour course, that is half your CE done right there. You still need 3 hours of Ethics as part of your 24, but LTC credits help you get to that total faster.

I completed LTC training in another state. Does that count for Wisconsin?

If you completed an initial 8-hour NAIC-approved LTC course in another state, you may need to complete a 2-hour Wisconsin Medicaid-specific module to satisfy Wisconsin requirements. The Wisconsin 8-hour course already includes this Medicaid training, so taking our course is the simplest path.

Do I need LTC training if I do not currently sell LTC insurance?

No. LTC training is only required if you sell, solicit, or negotiate Long-Term Care insurance policies. However, if you plan to start selling LTC in the future, you must complete the initial 8-hour training first. It does not hurt to get it done ahead of time so you are ready when the opportunity comes.

Can I retake the same LTC course I took last time?

Yes. You can retake any LTC course in a new license period, even if you completed the same course before. Many agents retake the 12-hour comprehensive course every renewal period because it is an efficient way to knock out half their CE credits.

How do my carriers know I completed training?

You must forward your diploma/certificate to your LTC carriers or agency after completing the course. Carriers are responsible for tracking agent compliance — the State does not do this for them. ClearCert-approved courses (like ours) also report completions to the ClearCert system, which gives carriers an additional way to verify your training.

Ready to Get Your LTC Training Done?

All LTC courses are included in our $81.99 all-inclusive package for all 24 CE credits. No hidden fees, no state submission surcharges.

View LTC Courses See Pricing

Want all 24 credits in one course (LTC not included)? Check out a One-n-Done option: PPACA & Ethics, AI & Ethics, IRAs & Ethics, or P&C & Ethics.

Questions? Call or text Bill at 608-219-4985 or email bill@cewisconsin.com