Requirements for RCFE Insurance

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Since July 1, 2015 Residential Care Homes and Facilities for the Elderly (RCFE) have been required to carry their own liability insurance. If you have an RCFE certification this could be something that affects you.

What is a RCFE

Residential Care for the Elderly (RCFE )homes and facilities are facilities that help provide 24-hour care for those who can no longer live independently. These are non-medical facilities meaning they are not required to have medical professionals on staff. However, they can handle the storage and dispensing of any needed medication and offer assistance with daily needs. These needs may include dressing, toiletry necessities and bathing.

What Does the Insurance Require


Regulations requires facilities with RCFE certification to have insurance to cover any injuries that may occur to a resident or guest. These injuries could relate to negligence or a neglectful act from the employees or licensee of the facility, or failure to provide proper care or a safe environment. The insurance is to cover $3,000,000 minimum for yearly incidents as a whole, or $1,000,000 for a single event.

Why This is Important


In the event of injury or neglect to a resident, the staff or facility as a whole could be found liable. Primary physicians to residents of an RCFE facility could even face a malpractice suit. Liability insurance can help cover costs and help protect those under the insurance from the risks that may arise with a claim.

As you can see it’s important for those with RCFE certification to be covered by insurance. This insurance is to help protect the company and its employees in the event of an incident, as well as help cover the costs of any injuries to a resident or guest of the facility. After all a RCFE facility is there to provide care for their residents and carrying insurance in case of an unfortunate incident is one way to do so.

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The Difference Between SNF and RCFE

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Working with the elderly can be a rewarding career choice, and as the population not only continues to grow but also starts getting older, there is increased demand for care facilities for the elderly. More people are leaving home to go work full-time, creating even more necessity for professionals that are able to care for the elderly throughout the day when they cannot take care of themselves. There are a few different kinds of training; RCFE staff training and SNF training.

RCFE stands for Residential Care Facilities for the elderly, where SNF stands for Skilled Nursing Facilities. One of the main differences between the two is that RCFEs consist of the non-medical aspects of elderly care, where SNFs consist of medical care. Depending on the situation for the client, one or the other may be a better fit for them. SNFs are held to a different standard of care than RCFEs, and they often deal with patients who, in addition to needing help with daily activities, need some form of medical help or monitoring.

Some of the services that SNFs are required to offer are physicians, nursing, dieticians and pharmaceutical services, allowing employees to handle every aspect of patient care as far as medical standards are concerned. RCFEs provide simply room and board, housekeeping, meals and supervision to the elderly, allowing them to handle much of their daily lives on their own. The residents here do not need around-the-clock care. They are still tightly regulated and have certain standards that they must meet. They are able to care for minor medical needs, but they are not required to have nurses or doctors on staff.
Depending on the type of work you may want to do with the elderly, you may want to choose training in one certification or the other, or both. For more information, find out about both SNF and RCFE staff training from Assisted Living Education.

What are the RCFE Certification Requirements?

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Getting an RCFE Certification can be a great way to advance in the residential care field. The requirements for the certification may be filled in several ways according to a candidate’s past experience. The legal standards are liable to change at any time, so it can benefit anyone pursuing this or similar tests to check with the appropriate advisory board to make sure the requirements have not changed. By getting this certificate, a person should be better able to administer care to elderly patients.

Essential Standards

A candidate needs to fulfill a certain number of requirements to successfully get an RCFE Certification. State government establishes these standards, so a candidate should check with them to make sure the requirements are still the same. Usually a registration payment of $100 is needed to confirm enrollment in the test. Oftentimes a test taker has to complete an approved course in preparation for the test. The preparation can be helpful not only for passing the test successfully, but also helping out patients in the future. A criminal required is usually stipulated as well to prove a candidate’s trustworthiness.

Flexible Options

The requirements may change based on whether a person has previous experience in residential care. Some stipulations may be removed only because a person already has accomplished them. These standards vary dependent on a person’s prior experience. Some candidates may not be required to submit a background check. Others could be exempt from the training, while others still need only pass the test and pay the registration fee. It is incumbent on the test taker to understand his or her position as it relates to the state requirements.

An RCFE Certification has the potential to open up doors in a person’s professional life. By reviewing the requirements and preparing adequately, a residential care worker can work on moving up in life and providing residents with better care.

How to become an official RCFE administrator

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Working with and caring for the elderly is a noble career move, and one that requires enormous sacrifices of time. The process to receive your RCFE administrator certification can also be a time-consuming endeavor, especially if you’re unprepared for the steps involved. Planning ahead for the entire process can save you both time and money as you work your through it.

The education requirements vary depending on your prior experience. If you are working towards RCFE administrator certification as a licensed nursing home administrator, the pre-application coursework is lighter, with 12-hours of classroom training required. If you are just getting into the field or have no certifications, you will first need to complete an approved initial certification training program. These programs can be a mix of classroom, online and independent learning, but must be overseen by a vendor approved by the state of California.

Within 60 days of completing your ICTP, you will need to schedule an exam.  The exam is administered by the California Department of Social Service and can be taken up to three times within the 60 day window. The earlier you register, the easier it will be to retake the exam if necessary since results can take up to 10 days to be scored and the results returned to you.

Once you’ve passed the exam, there is still one final step to officially achieving your certification. The next step is submit your formal application and licensing fees to the DSS administrator certification section. This must be done within 30 days of receiving notification that you passed the exam to be valid. The application can be cumbersome of its own accord, with many pages and details that must be filled out correctly. Some applicants use professional services to fill out their application in order to acquire a RCFE administrator certification. Preparing ahead of time makes this process easier and more efficient. Having necessary documents at hand and a clear understanding of the steps involved will relieve your stress as you work towards your certification.

Work at Your Own Pace With Online Classes

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Getting the training you need to work at an assisted living facility is a lot of work but also highly rewarding. RCFE online classes are available, and the fact you can take them online comes with several advantages. Look into a program such as Assisted Living Education, so you can get started on a fantastic career path.

The biggest advantage is that you can work at your own pace. You can view lectures and do assignments whenever it is most convenient for you. This is great for people who still need to work full-time jobs. They may not have work schedules that allow them to take traditional classes in a physical classroom. However, they can work in assignments when they have some free time. Whether that is on a Saturday or midnight on a Tuesday, you can work whenever you want.

Working at your own pace with RCFE online classes is also good because you can review lesson plans if you need a refresher. Instead of struggling to write down notes as fast as the teacher is giving them, you can rewind the video if you require assistance grasping a concept.

Lastly, you can take your online classes anywhere with you. Although most people will view lesson plans from a computer at home, you should see if videos are compatible with mobile devices. With this, you can read materials or watch something no matter where you are. If you have an hour lunch break for work, you can use some of that time to do coursework. Even if you go on vacation out of state, you can still partake in some lesson plans.

RCFE online classes are perfect for individuals who want a change in career but cannot attend physical classrooms. An expansive curriculum is available, and the courses you take will give you the credit you need to take the RCFE state test.