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Course Level :Basic
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Credits :1
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Instructional Method :QAS Self-Study
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Pre-requisites :None
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Advance Preparation :None
Inclusions
- Handouts Materials
- Continuing Education Certificates for each Qualifications
- Instant Certificates
Course Description
Open enrollment season is one of the most overlooked risk points in client financial planning. Long-term disability insurance decisions are often rushed, misunderstood, or ignored entirely, even though a disability is statistically more likely than premature death during a working career. What happens if a client loses their income for years, not months? How much protection do they really have, and where are the gaps hiding? This course pulls long-term disability planning out of the fine print and into clear focus.
This CPE course breaks down how long-term disability coverage works in the real world. You will explore employer-based plans, individual policies, and supplemental strategies, along with how elimination periods, benefit caps, and taxation impact net income replacement. Real statistics and case examples highlight why relying solely on employer coverage can leave high earners, business owners, and families dangerously exposed during long-term claims.
Major Topics:
- Brief history evolution
- Definitions and key concepts
- Employer based LTD
- Private supplemental LTD
- Elimination period planning
- Statistics and dollar impacts
By the end of the CPE course, you will understand how to evaluate long-term disability plans with confidence, identify red flags, and guide clients toward smarter coverage decisions during open enrollment and beyond, helping prevent financial damage that can derail even the strongest long-term plans.
Learning Objectives
- Discuss how long-term disability protects income during extended health events.
- Identify gaps commonly found in employer-provided disability plans.
- Analyze elimination periods and their impact on household cash flow.
- Explain tax treatment differences affecting disability benefit payouts.
- Differentiate coverage strategies for employees, executives, and business owners.
On Demand Credits for All Qualifications
| License details | Credits | Status |
|---|---|---|
| Finance for Certified Public Accountants (CPA-US) | 1 CPE | Approved |
Additional details
NASBA APPROVED
ANM Media LLC, 30N GOULD ST STE R, Sheridan, Wyoming, 82801
ANM Media LLC is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org
About Presenter
Drew Stevens, CSA, CFF
Founder, Wisdom to Wealth
Drew Stevens is a financial educator and retirement planning professional with over 40 years of experience helping retirees, business owners, and high-net-worth individuals make confident financial decisions. He specializes in Social Security planning, IRMAA guidance, retirement income strategies, tax-smart distribution planning, investments, and legacy planning. As a fiduciary and certified expert in retirement income planning, Drew is known for helping clients turn financial complexity into practical, personalized strategies designed to support long-term security and peace of mind.
Drew is also an award-winning educator, bestselling author of 15 books, and a trusted voice in retirement planning and wealth transformation. His work focuses on helping individuals align their financial resources with the lifestyle, liquidity, and longevity goals they want to achieve in retirement. Through education, consulting, and public speaking, he has guided clients and audiences toward clearer decision-making in areas such as Social Security benefits, Medicare-related costs, taxes, investment planning, and intergenerational wealth transfer.
Instructions
- ANM Media LLC self-study courses are online.
- The self-study format allows you to access the material online 24/7 and study at your own pace.
- As per NASBA guidelines, you have one year from the date of registration to complete each program.
- Complete your final exam at any time and get CPE Credit instantly. You can retake the exam multiple times without any additional charges.
- Course has a minimum passing score of 70% and test takers will not be provided feedback on failed exams.
- Upon achieving a passing score, test takers will be notified of the correct answers to the questions missed.
- Refund Policy : To obtain a refund for a fee-based webinar or webcast, users can email us at support@anmmediallc.com or can go into their account and cancel registration at any time prior to the start of the webinar. Refunds for self-study courses are available within 30 days after the date of purchase, assuming that no CPE credit has been granted. No Refunds for self-study shall be granted post 30 days of purchase. If the user would like to report a complaint or question about a refund policy, please contact our customer service number or email us at support@anmmediallc.com. We offer customer satisfaction with education. In case of any genuine concern or complain please contact our customer service, and we shall grant a refund for any course provided that CPE credit for the same has not been taken. Many of our courses are free and don't have any fees.
- Complaint Resolution Policy : For more information regarding administrative policies such as complaints and refunds, please contact our offices at (747)966-3165.
Inclusions
- Handouts Materials
- Continuing Education Certificates for each Qualifications
- Instant Certificates