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Department Home | Agent and Agency Home | Insurance Insights Home

  Vol. 8, No. 5 - September 2019

Education Central


The Dog Ate My Homework!

The dog ate my homework. Have you heard that before? Some of us grew up hearing that phrase as an excuse when someone didn't complete an assignment. If a student tells a teacher they don't have their homework, the teacher may respond, "let me guess, the dog ate your homework." That's right, no excuses, not even if the dog ate you!

Reactions like the teacher's prepared us for adulthood and the expectation to meet our obligations because excuses generally are not acceptable. There are times when circumstances beyond our control prevent meeting expectations. Licensees may someday find themselves unable to meet their continuing education requirements.

The Department may grant a 90-day extension of time to complete continuing education requirements for good cause.

"Good cause" means an incident or occurrence which is beyond the control of the applicant which prevents timely completion of Continuing Education requirements. Examples include:Dog

  • Sickness or illness of the licensee or close family member. (supported by an acceptable note from the physician providing care)
  • Declared emergency by the executive of the state or federal government. (supported by a copy of the executive order.)
  • Death by a close family member. (Supported by an official death certificate.)

Any one of these events may qualify a licensee for an additional 90 days to compete their CE if they timely submit a complete application for an extension with the required supporting documentation.

The Application for Extension of Time may be found at this link.

Applications for extension with documentation must be submitted at least 30 days prior to the compliance due dates. Qualifying events that extend beyond the original 90 days may be eligible for an additional 90-day extension. A new application for the additional extension must be submitted. Extensions are not granted just because you have not had the time or you "forgot". A maximum of four 90-day extensions may be granted for each compliance period.

Licensees on active military duty may have difficulty completing their continuing education requirements. Qualifying licensees on active duty have the opportunity to request a waiver of their CE requirement for an applicable compliance cycle by submitting a written request to: Education@MyFloridaCFO.com. Supporting documentation such as written orders must be attached. The Department recommends applications be submitted at least 30 days before the compliance due date to allow the Department to process the request.

For more information, please review read Rule 69B-228.230, F.A.C., Extensions.

This is good information to chew on. In fact, your dog might enjoy it more than your homework!


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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