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  Vol. 10, No. 3 - November 2021

Education Central

Law and Ethics CE Course ~ Reduced to 4 Hours January 1, 2022

Effective January 1, 2022, the 5-Hour Law and Ethics Update course requirement will be reduced to a 4-Hour Law and Ethics Update requirement. Section 626.2815, F.S. was amended to reflect this change during the 2021 Legislative Session. Education providers will begin offering the new 4-Hour Law and Ethics Update courses on January 1, 2022, so be on the lookout for the new courses if your compliance cycle is due on or after January 31, 2022.

When the change goes into effect, individuals licensed for less than six years will have to complete a 4-Hour Law and Ethics Update course, and 20 hours of elective credits for a total of 24 hours of CE. Those individuals licensed for more than six years are required to complete a 4-Hour Law and Ethics Update and 16 hours of elective credits, for a total of 20 hours of CE. Individuals licensed for 25 years or more who hold a CPCU, CLU, or RMI degree are required to complete a 4-Hour Law and Ethics Update, and six hours of elective credits, for a total of 10 hours of CE. (Click here to get a copy of the reduction request form).

Below is a list of FAQs about the upcoming conversion to a 4-Hour Law and Ethics Update requirement:

Q. What are the requirements for compliance cycles that end before January 1, 2022?

A. Compliance cycles ending prior to January 1, 2022, that have an update course requirement will still be required to complete a 5-hour update course.

Q. Does this mean the compliance cycles ending January 1, 2022, or later have one less hour of continuing education requirement?

A. NO! The total hours due for compliance cycles ending after January 1, 2022, are the same as compliance cycles ending prior to January 1, 2022.  The elective credit requirement for cycles ending after January 1, 2022, is increased by one hour to offset the decrease in the Law and Ethics course.

Q. If a compliance cycle scheduled to end on December 31, 2021 is granted an extension to March 31, 2022, does the updated course requirement for that cycle change from a 5-hour update course to a 4-hour update?

A. NO!  Extension of time to complete CE does not impact the requirement of that cycle. That cycle would still be considered as ending December 31, 2021, with a 5-hour update course requirement but granted an extension of time to meet the requirements.

Q. What if a CE compliance cycle is delinquent for a CE cycle with a 5-hour update course requirement and the licensee doesn't complete the requirements until after January 1, 2022?  Would that licensee only be required to complete a 4-hour update course?

A. NO! Delinquency in completing CE does not impact the requirements of that cycle.

Q. How can a licensee with a compliance cycle that requires a 5-hour update requirement satisfy the requirement if the 5-hour update courses are going away?

A. The Department acknowledges the need for 5-hour update courses to satisfy previous cycles and will continue to accept, review and approve 5-hour update courses.

Our Find a CE Course search tool can help all licensees find CE courses and providers by entering the course authority and the study method of choice. This will give you the most comprehensive list of courses and providers to choose from. If you have questions about 5-hour update to the 4-hour update conversion, or any other education related topics, please send your inquiry to Education@MyFloridaCFO.com.

Are You Compliant with Your CE or Not?

To be CE compliant requires more than just taking CE courses. Below are a few suggestions for remaining CE compliant:CE shrug

CE requirements change. You should regularly review your CE status through your MyProfile account. Your total hours have specific allocation requirements that must be met. Be sure to take all the right categories of CE courses.

Check for late hours. Hours taken after your due date will still post on your compliance evaluation screen, but they will be noted as "Late". Though your hours requirement may have been met, late completion of your continuing education requirement will result in penalties.

Check prior evaluation periods. Always check previous compliance periods to make sure you are not delinquent for a prior period. Be sure to click on VIEW ENFORCEMENT NOTICE just below the Not Compliant text to check for any outstanding fines.

Check your transcript. The same course cannot be taken with the same provider within a two-year period and receive credit. This is noted on your transcript as a duplicate course. You will need to take a different course to meet your CE requirement.

We wish you success in completing your hours to remain knowledgeable in an ever-changing insurance market. And remember, your CE compliance date is your DUE date, not your DO date.

Because many factors may affect your continuing education requirement (e.g. licenses held, number of years licensed, etc.), we encourage you to periodically check your MyProfile account to determine your individual continuing education compliance requirements and status. You will also be able to find more approved CE courses after logging in to your MyProfile account versus the public search option, which limits the results to the first 100 course offerings.

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