This delivery method allows the student to attend the 3.5 day structured “live” class preparation for the EPC Qualification that is administered on the morning of the last day. Pre study is required.
This method utilizes a 4 Module Desk Reference covering the following curriculum:
Module 1 – Aging & Health Issues
1 – Situation Critical – Our Population is Aging!
This chapter focuses on
our changing society. In order to do this, it is necessary to review
demographics and other significant factors that have contributed
The EPC will learn about
elders in respect of their needs, wants, and concerns. This newly
knowledge will assist the professional in planning for the future.
The EPC will be required
to understand life cycle changes and various factors and situations
elder experiences while going through life.
will study how such factors as age, gender, race, and ethnic background
influence elder behaviours and attitudes when interacting with
2 – Principles, Progressions & the Effects of Aging
The main goal for the EPC is to become acquainted with the physical, social, and psychological aspects of aging, along with any challenges that are created by age-related changes in the human body.
the age-related and non-age-related changes and challenges, an EPC is
qualified to professionally serve the elder client or prospect. By
together with the elder, their best needs are met when determining
3 – Understanding Chronic Conditions
witness the full implications that chronic conditions will have on the
and their families. They will also study how severe illnesses can alter
elder’s lifestyle and their ability to maintain a fully self-sufficient
EPC should be familiar with the members of the elder’s health care
in addition, what each of those individual’s responsibilities are.
this chapter uses many medical terms and situations, it is not
the EPC to have the same knowledge as a medical doctor. Remember that
in the medical profession, should not suggest any medical advice to a
symptoms and having the awareness of some of the medical conditions and
ailments that take their toll on our aging society could greatly
way in which the EPC interacts and carries on business with an elder.
Chapter 4 – Dementia
& Our Aging Society
The EPC will be in a
better position to understand and recognize the various kinds of
especially Alzheimer Disease (AD). As there are many implications of
the student should know how it pertains to their work with elders and
When the EPC student
concludes this chapter, they will be able to define dementia, explain
the causes of dementia, and describe some of the different types of
They will have acquired knowledge about Alzheimer Disease. They will
versed in the planning and management of dementia and be comfortable
with the various caregiving issues surrounding it.
5 – Nutrition and Fitness
completion of this chapter, the EPC will be more familiar with
nutrition, healthful lifestyle, and longevity in relation to elders.
that contribute to an unhealthy life and shorter lifespan will also be
discussed to further explain, and emphasize, the importance of health
will gain insight into the overall process of aging by
considering the human body and the elements that affect it over time.
foundation of information with which to assess an elder’s health
EPC will be able to recognize areas requiring attention and suggest
lifestyle changes in relation to nutrition and fitness.
awareness to the fact that a healthful lifestyle can both prevent
and improve the impact of age-related conditions, the EPC will be in a
to help themselves, and others, to live better. Understanding the role
nutrition and fitness play in preventing such conditions as Alzheimer
osteoporosis, diabetes, heart disease, and others, is the key in making
life-changing choices for health.
Students will cover aging theories, anti-aging strategies, nutrition, digestion, causes of poor nutrition, elder nutritional requirements, how to determine elder health, supplements, diet and disease, exercise, and fitness.
Module 2 Social & Psychological Issues
Chapter 1 – Long
Term Care Issues
It is common knowledge that taking care of one’s self financially for long term care in the future is a major issue. Our aging elders are no different in this regard. Course attendees will be in a better position to provide advice to the elders they interact with when dealing with the various risks that are, and will be, associated with their change in independent status.
The areas that the EPC will study are:
2 – Housing Options
The EPC will be in a
better position to describe the many housing options that are available
elder. The EPC, when faced with helping the elder, can help recommend
proper alternative based on the elder’s needs and wants.
The EPC should become
familiar with the fact that as people age, their health begins to
When this happens, the need to find suitable housing or living
evident. Either making changes to their existing home or looking for a
dwelling could fill this need. A nursing home could also be the
EPC will learn what to look for when the elder or their family chooses
assisted living or nursing home.
This chapter will walk
the EPC through the various stages of why elders want to stay in their
homes. The decision to relocate can be a traumatic one, increasing the
support from many different areas.
The EPC will look at the various types of housing arrangements available to the elder today. Some different types of government assistance programs will be discussed to offer alternatives to the funding process.
3– Caregiving in Canada
become familiar with the many types of caregiving resources available.
should understand many of the hurdles that our elders face, as informal
caregivers meet their continuing need for assistance from many avenues.
The students will look at and review the many issues surrounding caregiving. Some of the topics covered will deal with what is required to be a caregiver, how to be a good caregiver, and what the difficulties and demands of caregiving really entail. The many phases and duties of providing care to a recipient will be addressed. Caregiving stress and elder abuse issues will be discussed in detail. With any position, one must be aware of the satisfaction that comes with knowing that the job was done right. To this extent, the EPC will also become aware of the rewards that accompany caregiving.
4 – End-Of-Life Planning Issues
EPC’s should become familiar with the major issues that a critically
is facing. It is not necessary to be fully conversant with these
rather to know where to refer the elder and their family for any
information pertaining to their choice or choices. If the elder cannot
for himself, then who will look after his desires? Will it be the EPC?
be the elder’s family?
The EPC will look at healthcare and family issues as people near death. They will look at the quality of life that can lead the elder and their families to make crucial decisions. Hospice and palliative care play an important role in the aging process. As such, you will be required to know the basic information about each and how they can enhance an elder’s final time on this earth. The EPC will look at the planning issues beyond the legal and medical procedures in order to meet their elder client’s needs and wishes.
5 – Funeral Planning
become familiar with the various options when advising elder clients
funeral home choices. The main point in this chapter is to know where
when it comes time to plan for the final journey.
this chapter, the EPC will be in a position to provide an overview in
to the offerings that a funeral home can provide to the individual,
before or after death. The EPC will also know what type of assistance
available to assist the elderly when the time comes to look at planning
6 – Bereavement – Grief and the Healing Process
People all experience and deal with changes and losses in their lives every day. This is a natural part of being. As you get older, the chances of losing things in your life are very real. The EPC will study and learn how to help elders who are going through various stages of the grieving process because of the aging process, and the fact that someday everyone must experience grief.
prepare the EPC for dealing with loss and grief with the elder and
family. All the variables will be studied with the intent of providing
overview on how to adjust for the healing process.
EPC will learn
about the experience of loss. They will look at the total grieving
study the five stages that humans go through after a loss has occurred.
the EPC finds
their way through this chapter on grief experiences, they will discover
there is no right or wrong way to do the work of mourning. There is
only the individual’s
way, and they must discover it for themselves. There is no magic
short cut, and no easy way out. Grief is as if the person is inside a
winding tunnel whose entrance is closed behind them, and the only way
out is to
head through it and out the other side.
of this chapter will better enable the EPC to provide effective
with their grieving elder clients and families.
will make a
new person out of you, if it doesn't kill you in the making."
Module 3 – Financial Issues
1 – Social Security & Medicare Programs
EPC will have
a better understanding of the social security benefits and programs
is important to
remember that elders may not be eligible for all benefits. As an EPC,
should always recommend consulting with the proper provincial
departments that oversees the eligibility of receiving any additional
After completing this chapter, the EPC will have acquired the knowledge to best describe how government benefits and programs can enhance an elder’s lifestyle. In many cases, these benefits have to be requested through an application process. This is another area where the EPC can bring additional value when dealing with our aging society.
Upon completing this
chapter, the EPC will have a better understanding of the Canadian
System that will assist them in explaining the role that Federal and
Medicare has in providing health insurance coverage for the future
aging society .
will acquire knowledge through studying Medicare from its
beginnings to where it has evolved in today’s society. The
each level of government will be looked at and discussed through the
process. The student will look at how
Medicare is funded, what the eligibility criterion is, and what
elder will receive when qualified.
Chapter 2 Financial Planning Basics
challenges for elders who are facing their retirement years. Some have
and some have not. The purpose of this chapter is to show the EPC in
terms how to develop the various strategies that can help their clients
terms with their financial position and needs.
EPC will look
at the various stages of financial planning, taking into consideration
elder’s objectives while looking at the challenges and many stages that
will have already experienced prior and throughout their retirement.
Professionals from many occupations realize that the key to financial
independence can be found in the type of planning and investments the
should have already made.
the same time,
many risk factors should be considered. The role of the financial
well as the steps to financial freedom will be investigated. It is
by now the elder has completed many of the prerequisites in order to
healthy and wealthy retirement.
Chapter 3 – Retirement Income Basics
The main focus of this chapter is for the EPC and the elder to recognize that planning in the early years allows for a comfortable retirement. Assuming that this has been done, when it comes time to enter the ‘twilight’ period there will be an income available for the elder to maintain the lifestyle that they were accustomed to.
The EPC will look at some investment vehicles and retirement choices that the elder could use to provide an ongoing income for the retirement years.
Chapter 4 – Legacy
key principle in
legacy planning is that you cannot
eliminate the big mistakes in an estate plan until you have identified
Every elder should stage a financial fire drill with the assistance of
Elder Planning Counselor community. The same caution should be
estate planning as with financial planning—if you are not a financial
professional, work with someone who is, or stay away from this area
investigate the process of planning the accumulation, conservation, and
distribution of an estate in the manner that most efficiently and
accomplishes the elder’s personal tax and non-tax objectives.
this chapter, the EPC will acquire the ability to gather accurate,
comprehensive, and useful information that is efficiently developed
data gathering system.
EPC will study
the major areas of estate planning such as: lack of liquidity, improper
disposition of assets, inflation, inadequate income, or capital at
death / disability, stabilization and maximization of the value of
excessive transfer costs, and special problems.
5 – Travelling or Moving Abroad
comprise a mobile society. They look for travel experiences;
adventure, warmer climates, employment opportunities and a sunny
areas they perceive have a lower cost of living. Some decide to move
out of the
country to avoid, or at least reduce, the amount of income taxes they
Others find out that they have become residents of another country by
facing substantial tax costs.
Canadian elders spend time out of the country, particularly in the
either case, their time spent in the USA may cause them to be deemed
as residents of the U.S. for income taxes, estate taxes, or both.
they may no longer be deemed to be residents of
advisors working with elders do not ask or adequately consider the
impact on plans, programs, and lifestyles for elders retiring or
retirement time in the
Canadians may spend a lot of retirement time in other countries,
this chapter will focus on some of the major topics as they relate to
spent in the
6– Income Tax Planning
the EPC in personal income tax planning is to minimize or defer income
payable for the elder. This requires a general understanding of
EPC will be in
a position to recommend various tax saving strategies that will keep
elder’s goals front and center, thereby maximizing any spendable income.
Again for this chapter, caution should be exercised. If you are not in a profession that will allow you to provide complete and accurate tax information, please let the experts handle it.
Upon completion of this segment, the EPC will be able to understand which income sources constitute earned income, and which ones do not. You will study tax deductions and tax credits, and how they will affect your clients’ and prospects’ net income.
This chapter will look at how indexing can affect an individual’s tax situation. You will be able to tell the difference between being an employee of a company, and being self-employed.
taxation of Life Insurance will be studied in a way that makes it
will have a
working knowledge of Capital Gains, Capital Losses, Deductions, Credits
other various different terminologies pertaining to taxation.
MODULE 4 - Communication and Other Timely Issues
1 – Social Aspects of Aging
The EPC will learn and
describe how the various age cohorts will play a major part in the
shaping of Canada’s aging population, by affecting the social and
experiences of the elder that will shape how Canada ages.
The EPC will work more
effectively with their elder clients and prospects by using the
they have acquired in their study of Gerontology, Aging Theories,
Structures, Changes and Losses in Later Life, and Future Challenges.
Chapter 2 – Communicating with the 50+ Ages
The principles of effective communication apply to all ages. However, the way that we think and process information changes as we mature. To reach the elder listener with a message that will resonate, it is important to understand four key elements that the communicator must possess in order to ensure that the listener understands the message:
provide you with an outline of the skills to allow you to become an
communicator with elders.
among successful people is their ability to be an effective
is no different when dealing with the elder population.
The EPC will cover topics such as stressing communication skills and how to listen and respond to the needs of elders with verbal, technological, and print mediums.
3 – Marketing to Elders
EPC will learn
why the elder market will be ‘the market’ of the future to work in,
of what services or products they offer. When they begin to work in
market, only then will they experience growth in this segment of their
Factors such as demographics and future trends will be looked at in detail, in terms that the EPC can understand and appreciate. This chapter will challenge the EPC to look at their own business structure and see if it will meet the future needs of the elder generations. Various methods of distribution such as direct mail, referrals and the Internet will be studied with the intent of future utilization in dealing with this increasing segment of the population.
The participant will also be introduced to the art of seminar selling in order to generate many results and cut back on the number of one-on-one interviews that otherwise would be required to close the same amount of sales.
Chapter 4 – Elder
Fraud, Abuse and Ethics
The goal is to provide
the EPC with some basic information on how some individuals and
advantage of the elderly. Some alternatives on how to avoid fraud are
suggested, although the best form of defence is – “If it sounds too
be true, then it probably is!”
The EPC will look at some common frauds that are committed against the elderly. As an EPC, it is not your duty to protect or save all the elders in the world from fraud. However, it should be considered part of the service that an EPC offers, to provide the awareness that fraud exists and some ways of avoiding it.
for the EPC to be ethical when interacting with elders, they
first need an understanding of what ethics are, and what they stand
working knowledge of how to create successful business practices that
ethics along with the EPC Code of Conduct will help the participant to
look after and serve the elder’s needs.
The EPC will study ethical issues that affect elders. Topics such as ethics, ethical theories, principles, concepts, and business ethics will be looked at in detail. The EPC will also become familiar with the EPC Code of Conduct and that for which it stands.
Chapter 5 –
Putting It All Into Perspective!
Initiative for Elder Planning Studies (CIEPS) has endeavored to provide
the student with some knowledge that will not only provide some
insight into the elder population, but also enhance your relationship
your community and the people with whom you do business.
The time that you have spent to achieve your Elder Planning Counselor designation will ultimately be part of your value-added proposition that you can pass on to the elders that you interact with.
is about people helping people. It is about helping you to proactively
your practices or businesses to make them even more ‘elder friendly.’
designation program that you have just completed has used some
approaches and strategies as we studied in our aging society, and the
that it will have on our futures.
said you have just begun an ongoing process—one that will require you
on top of changing times and future visions.
Elders have a completely different set of issues, concerns, and values that need to be understood and appreciated as a total package. Any concerns can be solved appropriately if they are effectively addressed.
Our elder citizens or elders are an invaluable
source of experience and knowledge for younger generations. They are
of the family and the foundation of your communities.
Who should use this method of study? – The “live” classroom format would appeal to any and all professions who interact with our aging society, now or in the future. Some of these are Financial Advisors, Healthcare workers, Lawyers, Accountants, Retirement / Nursing Homes and Funeral Directors etc.
“Live” Elder Planning Counselor (EPC) Exam Preparation 1-day module classes
This delivery method allows the student to achieve their EPC Designation by attending one day at a time until all four modules are completed. Module 1 MUST be completed first and 2 & 3 can be completed in any order BUT Module 4 MUST be completed last.
At the end
of Module 1, 2, 3, 4 the student can choose to write an in class
examination / test. Upon successful completion, they will
receive a certificate/diploma from CIEPS acknowledging the
completion of that Module.
Student Tuition - The cost of tuition to the student for attending the one day is $297 plus TAX. Upon successful completion of the EPC Qualification Examination, the first year’s EPC Membership Dues (currently $150 + TAX) are waived with the cost of tuition.
Who should use this method of study? - This type of delivery would be directed towards Healthcare professionals, Lawyers, Real Estate or Accounting professions for example, who cannot take 3.5 days out of their busy schedules to achieve their EPC Designation at once.