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. State and Federal programs only cover people with low...
Do you remember when you were a kid and you wanted to buy something? You would ask one of your parents or grandparents and sure enough they would usually buy it for you. Ultimately, this free pocket of money stopped as you grew older and you were told to do household...
As law enforcement officers and firefighters, we traditionally think about serving others in our official capacity. Where we sometimes fall short is in our personal financial security and planning for our retirement. We work hard, play hard, and enjoy raising our...
In 1999, Tim Anderson saw the value of long term care coverage and joined NPFBA. Tim served as an officer in the Marines where he completed over 120 parachute jumps. Tim retired from both Los Angeles City Police and Glendale Police after serving in many capacities....
Nursing Home Care Covers inpatient room and board, supplemental services, and patient supplies. You are eligible when you can’t perform 3 or more Activities of Daily Living (ADLs). Refer to Glossary page for Activities of Daily Living. Residential Care...
On April 20, 2006, Sean Simonson, a City of Milpitas firefighter, flew over the handlebars of his mountain bike and landed on his head. Sean’s accident injured his spinal cord and changed his life forever when he became a quadriplegic (someone with limited or no...
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