Secure Your Future Today

For California’s Guardians

Protection Beyond the Badge: Invest in an LTC Plan Tailored for You.

Protecting California’s Finest

You’ve dedicated your life to safeguarding the communities of California. Now, let NPFBA shield your future. Understanding the unique challenges and aspirations of Law Enforcement Officers, we present a Long-Term Care (LTC) plan tailored just for you.

A Promise Rooted in Understanding

As active-duty law enforcement officers, you face unique challenges and have distinct financial and insurance needs. NPFBA’s Long-Term Care (LTC) plan is designed with an acute understanding of these requirements, ensuring that as you continue to safeguard California, your future remains secure.

Planning Ahead: The Essence of LTC

  • Safety & Security – Our LTC policies align with your drive for safety, not just for the state but for your personal health too.
  • Flexibility – Understanding the unpredictable nature of your profession, our plans offer flexibility, crucial for your ever-changing needs.

Given the inherent risks associated with law enforcement jobs, an LTC plan is more than just an insurance policy—it’s peace of mind. NPFBA’s LTC stands as a testament to understanding your world.

Ensuring Care When You Need It Most

The day-to-day of your profession comes with risks, but life’s unpredictable nature also brings its own set of challenges. An LTC policy ensures that if you ever need assistance with daily living or specialized care, it’s available without burdening your loved ones or draining your hard-earned savings.

Crafted For California’s Law Enforcement Officers

Stable Benefits

Just as you enjoy a stable income today, our LTC policy offers consistent benefits aligned with your needs.

Flexible Coverage

From home care to facility care, choose the protection that aligns with your unique requirements.

Safety & Security

Trust in a policy that’s backed by NPFBA’s longstanding reputation and dedication to California’s law enforcement community.

Secure Your Future Today!

👮‍♂️ Tailored for California’s Finest:
Your dedication to public safety knows no bounds. Our Long-Term Care plans reflect the same commitment – crafted exclusively for California law enforcement officers. Begin your journey towards assured health and security.

Choose an LTC plan from NPFBA, tailored for California’s law enforcement officers.

Dedicated to Your Unique Needs

Your dedication to your profession is unparalleled, and our dedication to serving your needs is no different.

Understanding Complex Products

We realize that the world of financial products can be overwhelming. That’s why our LTC plans are designed with clarity, ensuring you understand every facet of your coverage.

Trust & Integrity

NPFBA prioritizes your trust. With us, be assured of uncompromising integrity and unparalleled commitment.

A Stable Foundation for the Future

With a steady income and mid-career financial concerns like family expansions, children’s education, and retirement planning, an LTC plan becomes a pivotal part of your financial strategy. Our policy is crafted to dovetail seamlessly with your existing and future financial aspirations.

Real Stories

“NPFBA has demonstrated a keen understanding of the long term care needs of active law enforcement members and their spouses. We are pleased to offer the superior level of protection to thousands of our statewide members.”

Roger Mayberry

President, California Fraternal Order of Police

Building Bonds Beyond Work
The law enforcement community is tightly knit. The value of word-of-mouth and peer recommendations within this community is significant. Hear from fellow officers who’ve entrusted NPFBA with their future, and understand why our LTC policy resonates with many like you.

A Wise Investment for Your Future

Predictable Premiums

Just like your stable income, our premiums won’t surprise you.

Secure your Savings

Protect your retirement funds, children’s education, and investments from unexpected health-related costs.

Maximized Benefits

Our LTC policy ensures value for every dollar you invest.

Start Your Plan Now!

Invest in Tomorrow, Today:
The unpredictability of the job means every moment counts. Secure your tomorrows with our specialized Long-Term Care plan. Because your future deserves the same dedication you show every day.

Guidance at Every Step

Not sure how to integrate your LTC policy into your financial plan? Our team of experts, familiar with the financial intricacies of California’s law enforcement officers, is here to guide you.

Simplifying the Complex

Financial products can seem complicated, but we strive to make understanding your LTC policy easy:

  • Clear communication about all aspects of your policy.
  • Transparent breakdown of benefits, fees, and potential drawbacks.
  • Dedicated support for all your queries.

Transparent, Community-Centric Approach

Our outreach isn’t just about policies. It’s about community engagement, transparent communication regarding fees, benefits, and any potential drawbacks. Our objective is to be a partner in your journey, not just a service provider.

An Institution That Knows You

  • NPFBA was established in 1999
  • Over 12,200 LTC Plan Participants
  • NPFBA offers the only long term care plan created specifically for safety and non-safety members of law enforcement & fire service personnel & their spouses.
  • Over $170 million in assets
  • Average monthly cost to Participant – $69
  • Members can now purchase a second LTC policy for themselves and/or their spouse to ENHANCE your LTC benefit coverage.

At NPFBA, we’ve built our LTC policies around the real-life challenges and aspirations of law enforcement officers in California. It’s not just about covering potential health adversities but understanding the deep-seated motivations, preferences, and pain points. Our promise is to walk with you, ensuring your future is as secure as the Californians you protect daily.

Hear From Your Peers

Testimonials

“100% of our membership has Long Term Care coverage through NPFBA. The comprehensive protection and excellent customer service is unmatched.”

 

Richard Chen
President, Huntngton Beach Police Officers’ Association

“For our active members, there is no better product available when it comes to long term care protection. It has what my members look for and need, pricing, comprehensive benefits and it is member owned through a jointly sponsored, mutual benefit trust!”

Greg Stuber
President, Sacramento County Probation Officers Association

Secure Your Future Today!

🌟 Your Health, Our Mission:
We understand the unique challenges faced by law enforcement officers. That’s why our LTC plans are more than just insurance; they’re a promise. A promise to stand by you, as you’ve stood by California.

Top FAQs From LEO’s

What is NPFBA’s Long-Term Care (LTC) plan?

Our LTC plan is a comprehensive insurance policy designed to cover expenses related to daily living assistance and specialized care should you need it in the future. Recognizing the unpredictable nature and risks associated with law enforcement professions, this plan ensures you and your loved ones are well-taken care of, without burdening your finances.

Why is LTC important for law enforcement officers like me?

As a law enforcement officer, you face unique on-the-job challenges that come with inherent risks. An LTC policy not only provides peace of mind for unforeseen health-related issues but also ensures that potential future health care needs won’t strain your retirement savings or other financial aspirations.

How does NPFBA’s LTC plan differ from others in the market?

Our LTC plan is crafted specifically for law enforcement officers in California. We emphasize:

  • Safety & Security – Aligning with your dedication to public safety, our policies prioritize your health and financial well-being.
  • Flexibility – Catering to the unpredictable nature of your profession, we offer adaptable plans.
  • Stable Benefits & Predictable Premiums – In line with the stability of your income, our benefits and premiums are consistent.

 

What kind of coverage options can I expect?

We offer flexible coverage ranging from home care to facility care. Whether you require assistance with daily living activities or specialized nursing care, our policy ensures you’re covered based on your unique requirements.

I’m in the middle of my career. Is now the right time to invest in LTC?

Absolutely! Middle career is often when financial burdens like mortgages, children’s education, and retirement planning come into focus. By investing in an LTC plan now, you ensure that unforeseen health expenses won’t derail your financial plans down the line.

How does the LTC plan integrate with my existing financial strategies?

Our LTC policy complements your current and future financial aspirations. It acts as a safety net, ensuring that potential health costs don’t impinge on your retirement funds, children’s education savings, or other investments.

What kind of digital support can I expect?

 Recognizing the pace of modern life, we emphasize a seamless digital experience. Manage your LTC policy, schedule consultations, and get 24/7 online support, all with a few clicks.

How transparent is NPFBA’s LTC plan in terms of fees, benefits, and potential drawbacks?

Our outreach emphasizes community engagement and transparent communication. We ensure clear breakdowns of fees, benefits, and any potential drawbacks, keeping you informed every step of the way.

How does NPFBA understand my specific needs as a law enforcement officer in California?

At NPFBA, we’ve built our LTC policies around real-life challenges and aspirations of law enforcement officers in California. We not only aim to cover potential health adversities but also grasp the motivations, preferences, and pain points unique to your profession.

How can I trust NPFBA with my future?

Trust and integrity are at the heart of our operations. We prioritize your trust, offering uncompromising integrity and unparalleled commitment. Don’t just take our word for it – hear from fellow officers who’ve entrusted us with their future.

How do peer recommendations and word-of-mouth factor into the value proposition of NPFBA’s LTC?

The law enforcement community is closely connected, and we understand the significance of word-of-mouth. We pride ourselves on the testimonials of fellow officers, emphasizing the resonance and reliability of our LTC policy within your community.

Are there any additional resources available for law enforcement officers?

Absolutely! We provide a range of resources tailored for law enforcement officers to help them navigate the complexities of LTC, retirement planning, and other financial considerations.

Can my spouse benefit from the LTC policy?

Yes, recognizing the integral role families play in the well-being of our law enforcement community, we also offer LTC plans that cater to the needs of spouses.

What happens if I move out of California after retirement?

Our commitment to your well-being extends beyond state lines. If you decide to retire outside of California, your LTC policy will still provide the coverage and benefits as outlined in your plan.

What measures are in place should I have concerns or grievances?

We believe in an open-door policy. If you have concerns, we encourage you to reach out to our dedicated support team. We prioritize your satisfaction and will work diligently to address and resolve any issues.

How frequently can I update or change my plan?

Understanding that life is unpredictable, especially in a profession like law enforcement, we provide flexibility in plan updates. You can consult with our team to discuss potential changes based on your evolving needs.

Are there any group discounts or special offers for law enforcement agencies or unions?

 We value the community spirit of law enforcement agencies and unions. Reach out to our team to discuss potential group plans or offers.

How is my privacy and personal data protected?

We strictly adhere to privacy regulations and prioritize the security of your data. Rest assured, your information is safe, encrypted, and will never be shared without your explicit consent.

In case of an emergency, how fast can I activate my LTC benefits?

Our LTC benefits are designed for swift activation in emergencies. Once all necessary criteria are met, benefits can be availed in a timely manner, ensuring you get the care you need without delays.

How can I get in touch for personalized consultation?

Feel free to reach out via our digital platforms or contact our dedicated team for a personalized consultation. We’re here to guide you every step of the way.

We understand the dedication and commitment law enforcement officers bring to their roles. At NPFBA, we reciprocate with the same level of dedication, ensuring that your LTC needs are catered to, with a deep understanding of your unique circumstances. If you have further questions, don’t hesitate to reach out. We’re here for you.

🚔 Shielding Those Who Shield Us:
You’ve always been on the frontlines for us. Let NPFBA be your safeguard. With LTC tailored for your needs, we ensure that your future is as protected as the communities you serve.

More LEO Resources

Breaking News For Current LTC Members!

You can now purchase a second LTC policy for you and/or your spouse to ENHANCE your LTC benefit coverage.
LEARN MORE HERE.

What is NPFBA? Check out the video below.

Secure

Your Family

The NPFBA Long Term Care Plan protects your independence, your standard of living, your pension dollars and your financial legacy. More importantly, it preserves your family’s peace of mind and your dignity. Without long term care coverage your financial future could be in turmoil.

The NPFBA Long Term Care Plan was developed by public safety personnel to protect those who protect others. It is managed by experienced law enforcement and fire service personnel dedicated to providing the richest benefits at the lowest rates.

 

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

BENEFITS

  • Home Health Care
  • Residential/Assisted Living Care
  • Nursing Home Care
  • Respite Care – for primary caregiver
  • Lifetime Benefits
  • No Lifetime payments
  • Two Plans Available
  • Age Based Payments With Multiple Payment Options

 

  • One Million Dollar Benefit Limit
  • 3% Cost of Living Increases for First 26 Years
  • Tax-Free Benefit
  • Death Benefit
  • Portable Coverage Throughout the United States
  • Waiver of Payments While Receiving Benefits
  • 60 or 90 Day Elimination Period Based on Health at Application
  • Member-Determined Level of Care