The Gap Nobody Talks About — Until It’s Too Late.
Medicare won’t pay for long-term care. Your health plan won’t either. Yet after age 65, nearly 70% of people will need some form of long-term care. For most first responders, that gap can silently erase decades of financial planning the moment care is needed.
NPFBA’s Long-Term Care Plan closes that gap with lifetime benefits up to $750,000, 3% compounded annual inflation protection, and coverage that covers home care, assisted living, and nursing care wherever life takes you.
Built by law enforcement and firefighters. Run as a non-profit for members only. Choose your plan below.
Choose Your Plan
NPFBA 750
Features & Benefits:
- Lifetime Benefits to $750,000
- Nursing Home, Residential/Assisted Living Care, Home Health Care
- Respite Care – For primary Caregiver
- Choose your care provider
- 3% Compounded Inflation protection for the first 26 years
- Benefits are tax-free
- Portable coverage throughout the United States
- 90-day elimination period
- Age-based rates
- Payment term of 35 years or lifetime
- Waiver of payments while receiving benefits
See what this plan costs at your age
APPLY NOW
NPFBA 500
Features & Benefits
- Lifetime Benefits to $500,000
- Nursing Home, Residential/Assisted Living Care, Home Health Care
- Respite Care – For primary Caregiver
- Choose your care provider
- 3% Compounded Inflation protection for the first 26 years
- Benefits are tax-free
- Portable coverage throughout the United States
- 90-day elimination period
- Age-based rates
- Payment term of 35 years
- Waiver of payments while receiving benefits
See what this plan costs at your age
APPLY NOW
SECURE 55
*Important Note: Secure 55 is a level rate, $55 per month conversion option that offers lower initial rates. Enrollment must take place between the ages of 21 and 49. The member has the option to convert to an available product at or before age 50. If a conversion is not selected, the plan terminates at age 55.
Features & Benefits:
- Lifetime Benefits to $750,000
- Nursing Home, Residential/Assisted Living Care, Home Health Care
- Respite Care – For primary Caregiver
- Choose your care provider
- Benefits are tax-free
- Portable coverage throughout the United States
- 90-day elimination period
- Age-based rates
- Waiver of payments while receiving benefits
- Must be converted by age 50
- Upon conversion, the member has guaranteed insurability and maintains all COLA increases already credited*
See what this plan costs at your age