Jeffrey Wade
Knowing how to check your credit hours is essential for insurance license renewal and ensuring you are meeting the necessary requirements. Credit hours, also known as Continuing Education (CE) hours, are calculated differently depending on the state and course level. For instance, Texas calculates credit hours for a basic course by dividing the total number of words by 180 (average words per minute) to find the reading time, which is then divided by 50 (minutes of instruction time) to give the credit hours. Illinois requires insurance producers to earn 24 CE hours every two years, with three of those hours dedicated to ethics. To check your CE hours, you can visit the relevant state website, such as the State Based Systems website for Illinois. Additionally, some states, like Washington, allow you to access your CE history electronically by logging into your account and reviewing the courses you've taken.
| Characteristics | Values |
|---|---|
| Credit hours calculation | The number of course hours is determined by providers based on course difficulty definitions, average reading time, and completion time. |
| Texas-specific calculation | The total credit hours from other states offering the same course are divided by the number of states, rounding down for fractions less than 0.5 and up for 0.5 and above. |
| Basic level course calculation | The total number of words in the course is divided by 180 (average words per minute) to get the documented average reading time, which is then divided by 50 (minutes of instruction time) to determine credit hours. |
| Advanced level course calculation | The basic eligible hours are calculated and then multiplied by 1.5 to determine the total credit hours. |
| Interactive course requirement | Interactive courses include student engagement through Q&A sessions, polling, videos, games, and more. |
| Illinois credit hours check | Licensed insurance producers can check their CE hours on file with the Illinois Department of Insurance through the State Based Systems website. |
| Washington credit hours check | Individuals can access their CE history electronically by logging into their account on the Washington State Office of the Insurance Commissioner website. |
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What You'll Learn
Check the State Based Systems website for CE hours
State Based Systems (SBS) is a platform that allows insurance company representatives and license administrators to set up and receive system and/or email notifications for various transaction-based events. These events include address changes, name changes, company type status changes, company mergers, and license status changes. SBS also enables users to view or update company and licensee contact information, demographics, license status, continuing education information, appointments, fee details, and more.
To check your CE hours on the State Based Systems website, follow these steps:
- Log in to your SBS account using your credentials.
- Navigate to the "Continuing Education" section on the SBS website or platform. This section may be located under a similar heading, such as "CE Compliance" or "CE Hours."
- Locate the option to view or download your CE hour report. This may be found under a menu option labeled "Individual Education History," "CE History," or a similar title.
- Follow the instructions to access and view your CE hours report. This may involve selecting a specific date range or renewal period to generate the report.
- Review the report to find the information related to your CE hours. This report should detail the number of CE hours you have completed, the courses you have taken, and any other relevant information.
By following these steps, you can access and review your CE hours through the State Based Systems website, helping you stay informed about your continuing education credits and ensuring you meet any licensing requirements. Remember that the specific steps may vary slightly depending on the state or insurance regulatory body operating the SBS platform.
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Calculate credit hours using course difficulty definitions
Credit hours are a measurement used by most universities to indicate how many credits a course is worth, based on the time spent on the class each week. They are also used to determine how much of a degree has been completed and how much is left. Each degree level requires a specific number of credits to graduate. For example, an associate degree requires 60 semester credits, a bachelor's degree requires 120 semester credits, and a master's degree typically requires 30-40 semester credits.
The Texas Department of Insurance (TDI) provides a method for calculating credit hours using course difficulty definitions. TDI awards course credits at a rate of one credit hour for every 50 minutes of instruction contact time. The final examination and pre-tests are not included in determining course hours or calculating an average. The provider may determine the number of course hours by calculating the average completion time of at least five licensees.
Using course difficulty definitions, the provider may also determine the number of course hours in the following manner:
- Divide the total number of words used in the course by 180 to find the documented average reading time.
- Divide the documented average reading time by 50 (minutes of instruction time) to find the credit hours for a basic level course.
For example, a course with 30,000 words would result in a documented average reading time of 166.7 minutes (30,000/180). Dividing 166.7 minutes by 50 results in 3.3 hours. Multiplying 3.3 hours by 1.25 gives 4 eligible Texas credit hours for a basic-level course. For an advanced-level course, the result of 3.3 hours would be multiplied by 1.5, resulting in 4.95 eligible Texas credit hours.
It is important to note that there are different methods for calculating total hours for both self-study and classroom-equivalent courses, and the calculation may vary depending on the specific university or institution.
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Average completion time of at least five licensees
The average completion time for insurance continuing education (CE) credit hours varies depending on the state and the specific license requirements. However, I can provide information on the average completion time for at least five common licensees:
- Property Broker-Agent and/or Casualty Broker-Agent: In California, this licensee must complete 24 hours of continuing education every two-year license term. It is recommended to complete these hours at least 60 days before the expiration date to avoid delays in the license renewal process.
- Limited Lines Automobile Insurance Agent: In California, this licensee must complete 20 hours of continuing education every two years, including 3 hours of ethics.
- Independent or Public Adjusters: These licensees are required to complete 24 CE hours, including 3 hours of ethics, every two-year license term.
- Producers: They need to complete 24 hours, with 3 hours in ethics, every biennial compliance period. In the US Virgin Islands, resident insurance producers will need to complete 12 CE credits, including 9 general and 3 ethics credits, before submitting their renewal application for 2025.
- Life-Only and/or Accident and Health Agents: In California, this licensee must complete 24 hours of continuing education every two-year license term, including 3 hours of ethics CE training.
It is important to note that these are average completion times and the actual time may vary depending on the specific requirements of the state and the licensee's chosen pace of study. Additionally, some states, like Texas, offer exemptions or extensions under certain circumstances, which can impact the completion time.
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Credit hours for basic-level courses
The Texas Department of Insurance outlines the steps to calculate credit hours for basic-level courses. The first step is to calculate the basic number of eligible hours. This is done by dividing the total number of words in the course by 180, which is the average number of words read per minute. For example, if a course has 30,000 words, then the calculation would be 30,000/180 = 166.7 minutes.
The next step is to determine the number of credit hours. This is done by dividing the documented average reading time calculated in the previous step by 50 (minutes of instruction time). Using the previous example, it would be 166.7/50 = 3.3 hours.
The next step involves rounding off the hours. If the calculation results in a fraction of .49 or below, it must be rounded down to the nearest whole number. In the example, 3.3 hours would be rounded down to 3 hours.
Finally, to get the total number of credit hours, multiply the value obtained in the previous step by 1.25. Continuing with the example, 3 hours x 1.25 = 3.75 hours. Since the fraction is .75, which is more than .50, this must be rounded up to the nearest whole number. Therefore, the final number of credit hours for this basic-level course is 4 hours.
It is important to note that the Texas Department of Insurance no longer approves courses in half-hour increments, with the exception of Escrow/Title courses. Additionally, qualifying courses that are not certified by TDI can also be used for credit if they meet certain criteria, such as being offered by accredited colleges or universities or being part of a national designation certification program.
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Rounding rules for credit hours
Timesheet rounding is a common practice used to simplify payroll calculations and record-keeping. However, it is important to follow certain rules and regulations to ensure compliance with labor laws and avoid employee dissatisfaction.
The Fair Labor Standards Act (FLSA) stipulates the legality and requirements of timesheet rounding in the United States. While timesheet rounding is legal, it must be done in a way that does not favor the employer over the employee. This means that rounding cannot be used to reduce payroll costs or prevent early clock-ins. If an employer chooses to round employee timesheets, they must apply the same practice consistently across all employees.
There are three basic rules of timesheet rounding according to the Department of Labor:
- Timesheet rounding cannot favor the employer: The majority of the rounded times must benefit the employee. Rounding all clock-in times to favor the employee and all clock-out times to favor the employer is a compliant practice.
- The maximum amount of time that can be rounded is 15 minutes: While rounding can be done to the nearest five or 10-minute mark, 15 minutes is the maximum allowed by law.
- Employers must honor the 7-minute rule: This rule dictates how to round times to the nearest increment.
It is important to note that timesheet rounding is becoming obsolete, with automated time-tracking solutions now offering more accurate and efficient ways to track employee work hours. These solutions provide benefits such as improved productivity, compliance with labor regulations, and insights into team productivity.
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