LONG TERM CARE

For Police & Fire Personnel & Their Spouses

National Peace Officers And Fire Fighters Benefit Association

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LONG TERM CARE

For Police, Fire Personnel & Their Spouses

National Peace Officers and Fire Fighters Benefit Association

The Only Long Term Care Plan Created Specifically For Safety And Non-Safety Members of Law Enforcement & Fire Service Personnel & Their Spouses.

Plan For Your

Future

 

NPFBA is a non-profit, mutual benefit trust,

jointly established by CLEA and CAPF and operated pursuant to Certificates of Authority issued to CAPF and CLEA by the California Department of Insurance.  CLEA and CAPF were each established under the California Insurance Code, Sections 11400-11407, governing benefit and relief associations of peace officers and firefighters.

Secure

Your Family

As the cost of care continues to rise, Long Term Care (LTC) coverage becomes an increasingly important component of every American’s safety net. Traditional health insurance does not cover most LTC services.

 

GET INPATIENT ROOM AND BOARD, SUPPLEMENTAL SERVICES, AND PATIENT SUPPLIES.

BENEFITS

NURSING HOME CARE

Reimburses expenses for room and board, supplemental services, and patient supplies up to your monthly maximum benefit. You are eligible when you cannot perform 3 or more Activities of Daily Living (ADLs).

3% COMPOUNDED INFLATION PROTECTION

Each year you are in the Plan your daily benefit will increase 3% Compounded (Plan years 2 through 26). For example, $150 per day Nursing Home benefit will increase to $170 per day after 5 years and $228 per day after 15 years.

 

RESIDENTIAL / ASSISTED LIVING CARE

Reimburses expenses for room and board, supplemental services, and patient supplies up to your monthly maximum benefit. You are eligible when you cannot perform 2 or more ADLs.

PAID UP PLANS

NPFBA offers payment periods of 25, 30, 35, 40, and 45-Years (based on enrollment age). Other plans require lifetime payments to continue coverage.

HOME HEALTH CARE

Reimburses expenses for room and board, supplemental services, and patient supplies up to your monthly maximum benefit. You are eligible when you cannot perform 3 or more Activities of Daily Living (ADLs).

RESPITE CARE

Respite Care is temporary care provided to Participants after satisfying the Elimination Period and other conditions for receiving benefits to allow time off for those who ordinarily care for them on a regular basis. The benefit shall be paid for up to 15 days within the calendar year. Respite Care does not need to be consecutive days.

LIFETIME BENEFITS

NPFBA covers Long Term Care benefits for as long as you need them. Other plans will only cover benefits for a specified number of years, usually between 2 and 5 years, unlike NPFBA whose benefits are for a lifetime. NPFBA benefits cap at $1,000,000.

60-DAY ELIMINATION PERIOD

Participants medically underwritten as preferred health status have a 60-Day Elimination Period. Standard health status has a 90-Day Elimination Period.

 

Get The Protection

You and Your Family Deserve

NPFBA is a non-profit, mutual benefit trust,

 jointly established by CLEA and CAPF and operated pursuant to Certificates of Authority issued to CAPF and CLEA by the California Department of Insurance. CLEA and CAPF and their benefits trusts comply with the requirements of the California Insurance Code governing benefit and relief associations for peace officers and firefighters, as well as the applicable requirements of the Internal Revenue Code.

YOUR LIFE

YOUR PLAN