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Department Home | Agent and Agency Home | Insurance Insights Home

  Vol. 8, No. 4 - June 2019

Education Central


Staying Out of Double Trouble

Jim Simplemistake is a licensed health agent in Florida. There are five days remaining until Jim's due date to complete his continuing education requirements. He logs on to his favorite provider's website and selects a course with enough hours to satisfy the remaining hours in his current cycle. The title sounds very interesting to him, in fact, quite familiar. He's feeling very learned as he can't believe how easily he is absorbing the material. He takes the final exam and passes the first time. He simply can't believe it. He finishes the night with his favorite ice cream and the thought that he'll not need to concern himself with continuing education requirements for another two years.

A month later, he starts receiving emails from the Department notifying him that his appointments are pending termination because his continuing education requirements were not completed timely. After contacting the Department, he is made aware that the course he completed before having his ice cream was a duplicate course that he had just completed 15 months ago. The credits are disallowed because he can't get double credits for a duplicate course taken within a 24-month period. Unbelievable! Whose fault is this? Why didn't the provider warn him of the duplicate course registration? Why didn't the Department notify him that the credits would be disallowed? He is very upset about having wasted his time and money on this course. To make matters worse, he finds himself now CE non-compliant. Double Trouble!

Over the past couple of months, we have addressed this issue with a few different licensees who found themselves in a similar circumstance. In each instance, the situation could've been completely averted by taking some simple responsible steps.

1) Stay informed. Each licensee is responsible to stay abreast of the laws and rules that govern their license. This includes continuing education requirements found in Section 626.2815 of the Florida Statutes and Rule Chapter 69B-228 of the Florida Administrative Code. These legal references outline that credit will not be awarded for any course that was completed previously within a 24-month period.

2) Review Department resources. The Department has provided each licensee with a MyProfile account that allows access to a transcript of completed courses. Before taking a course, check your transcript to see if you previously completed the course within the previous 24 months. Additionally, monitor the status of posted courses to ensure you are receiving the appropriate credits to satisfy your continuing education requirements.

3) Vary your use of Education providers. While you may have your preference, using more than one Education provider will enhance your education experience and lessen the chance of taking a duplicate course.

4) Don't wait until the last minute. Give yourself time to take another course in case the course you completed was not the course you thought you would need to satisfy your requirements.


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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