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March NAIFA LTC & Ethics Class
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When: Wednesday, March 20, 2019
Where: Newman Long Term Care
6636 Cedar Ave South
Richfield, Minnesota  55423
Contact: Member Services

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Register by Mail: Download the 2019 Registration Form (PDF)
All registrations must be accompanied by full payment/purchase order to reserve your place at the event.


9:00 am – 12:30 pm MA Eligibility & LTC Partnership Program (4 CE Hours)
12:30 pm – 1:00 pm Lunch – included for everyone
1:00 pm – 3:30 pm Ethics in Financial Services Practices (3 CE Hours)

*Although we are offering two courses, you do not have to attend both. You may choose to attend either session. Lunch will be provided for all attendees.

MA Eligibility & LTC Partnership Program

Instructor: Lori Gubash, Newman Long Term Care
Credits: 4 CE

The LTC Partnership Program is now available in Minnesota. State statutes require that this 4 hour refresher course be taken every two years following the initial 8 hour training session. Training must be in place before licensed insurance agents may solicit, negotiate or sell long term care insurance.

In faithful accordance with NAIC guidelines, this 4-hour training program consists of topics related to long term care insurance, long term care services, and the LTC Partnership program itself. Specific units of instruction will include (a) state and federal regulations and requirements, and the relationship between LTC Partnership programs and other public and private coverage of long term care services, including Medical Assistance; (b) available long term care services and providers; (c) changes or improvements in long term care services or providers; (d) alternatives to the purchase of private long term care insurance; (e) the effect of inflation on benefits and the importance of inflation protection; and (f) consumer suitability standards and guidelines. Upon completion of the 4-hour program, insurance agents will be legally qualified, and intellectually prepared, to continue offering the LTC Partnership program to their clients.

Learning objectives:

  1. Medical Assistance (MA) Eligibility Criteria
  2. Long Term Care Partnership Program & MA Eligibility
  3. Applying for MN Health Care Programs
  4. Federal & State Regulations
  5. Current LTC Services & Providers
  6. Changes & Improvements to LTC Services & Providers
  7. Review LTCI Basics
  8. Importance of Inflation Protection
  9. Alternatives to LTCI
  10. Consumer Suitability Standards & Guidelines


Lori Gubash, Speaker

Lori Gubash joined Newman Long Term Care in June 2009 as the Business Development Manager. Lori’s focus is on cultivating and managing relationships with LTCI Specialists and Brokers. To build and maintain relationships, Lori will provide case design, proposal development and point-of-sale assistance in the Multi-Life Sales market.

Lori may be a familiar face to many of you in the employee benefit broker and health care agent communities. She brings to her new position numerous years of experience with insurance marketing, training and development. Lori worked with the Catholic Aid Association, a fraternal life insurance organization based in St. Paul where she started as a field representative and diligently worked to become promoted to regional manager of the East Metro/Western Wisconsin territory. There, she mentored representatives selling Life, Health, Disability and Long Term Care insurances. Lori also worked several years in the individual and business voluntary benefits market working with health brokers and agents in the Metro area.

Firsthand, Lori learned of the need for long term care insurance when she worked as a nurse’s aide in a long term care facility during college. Lori also helped take care of her grandmother during her final stages of cancer. It was during this time that Lori experienced the personal toll that not having proper care protection in place can have on the caregivers’ health and finances.

Lori earned a Bachelor’s degree in Business Management from the College of St. Scholastica. She also obtained a certificate as a Fraternal Insurance Field Manager from The American College in 2007. Lori is currently working towards her designation as a Certified Financial Planner.


Members $45 | Non-Members $65
Members (both classes) $85 | Non-Members (both classes) $125

NOTE: Although we are offering two courses, you do not have to attend both. You may choose to attend either session. Lunch will be provided for all registrants.

CE Credits

This course satisfies the Long Term Care 4 Hour update made mandatory by the state of Minnesota. This course is approved in Minnesota for MN Insurance Credits and is eligible for CFP Credits. Attendees who complete this course will receive a certificate that will be emailed to them after the class. In order to receive credit for this course, attendees must provide their applicable license number the DAY OF the class. Credits will be reported to Sircon, CFP and ClearCert for each individual if applicable.

Ethics in Financial Services Practices IV

Instructor: Todd Johnson, former NAIFA MN Executive Director
Credits: 3 CE

A practical approach for influencing ethical business culture - The purpose of this course is to help insurance and financial advisors influence ethical behavior through their financial services practice by:

  1. developing an ethical perspective
  2. learning a model for ethical thought in a team environment
  3. learning how to create a culture of ethical accountability

Todd Johnson, Speaker

Founder and President of Done., Inc. a professional organization to promote ethical practices in professional organizations, Todd consults, trains and coach’s professionals in business operations throughout Minnesota.

Past Minnesota Executive Director for the National Association of Insurance and Financial Advisors (NAIFA Minnesota) from July 2000 through December 2016, Todd worked with the NAIFA Minnesota state board of directors and seventeen local association boards of directors, the board of Minnesota General Agents and Managers Association, served as President of the Minnesota Insurance Political Action Committee and the Minnesota Insurance Agents Education Foundation to protect and to promote the value of the insurance and financial advisor in Minnesota through services and programs that provide members advocacy, business building and camaraderie.

Prior to his work with NAIFA Minnesota, Todd completed a 25-year career with Courage Center, an internationally renowned rehabilitation organization serving 20,000 children and adults with physical disabilities. As the Chief Administrative Officer of Courage Center, Todd was responsible for advising committees of the board of directors and overseeing the all administrative functions for the organization’s 1,200 employees located on six campuses throughout Minnesota.

Todd is a 1977 graduate of the University of Minnesota Carlson School of Management with a Bachelor of Science in Business, majoring in finance and a minor in insurance. He is active with the board of the Villas on Basset Creek association, the board of Oak Grove Church, and has served on several community and professional boards throughout his career.


Members $45 | Non-Members $65
Members (both classes) $85 | Non-Members (both classes) $125

NOTE: Although we are offering two courses, you do not have to attend both. You may choose to attend either session. Lunch will be provided for all registrants.

CE Credits

This course satisfies the Ethics 3 Hour update made mandatory by the state of Minnesota. This course is only approved in Minnesota. Attendees who complete this course will NOT receive a certificate. Credits will be reported to Sircon for each individual.

PCI Compliance: In accordance with PCI compliance, NAIFA-MN may not accept any forms via email nor accept credit card information over the phone. All forms must be faxed or mailed in.

Cancellation Policy: Cancellations received by the NAIFA-MN office at least 48 hours prior to the first day of the event are eligible for a refund of the registration fee, less a $15 administrative fee. No refunds of any kind will be provided for cancellations received after this time. If this date does not work for you, please contact the office and we are happy to move you to another class, based on availability. There is no fee to move classes. The cancellation fee applies if you are canceling your registration.

Audio/Video Policy: Registration and attendance at, or participation at association events, constitutes an agreement by the registrant to association’s use and distribution of the registrant or attendee’s image or voice in photographs, videotapes, electronic reproductions and audiotapes of such events and activities.

    National Association of Insurance and Financial Advisers of Minnesota

    1000 Westgate Drive, Suite 252, St. Paul, MN 55114
    Phone: (651) 366-6091 | Fax: (651) 290-2266
    Email: | Site Map

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