NPFBA Long Term Care Benefits Chart

NPFBA Long Term Care Plan

Monthly Cost

35 Year Payment Term

Lifetime Payment Term

30 Years Old at Issue

$89

$82

40 Years Old at Issue

$113

$106

50 Years Old at Issue

$173

$171

60 Years Old at Issue

$331

$329

Plan Year 1

Plan Year 26

Nursing Home or Skilled Care

(Benefit grows 3% compounded annually — Plan Years 2 -26)

$150*

per day

$4,563

per month

$315*

per day

$9,581

per month

Plan Year 1

Plan Year 26

Residential Care or Assisted Living

(Benefit grows 3% compounded annually — Plan Years 2 -26)

$105*

per day

$3,194

per month

$221*

per day

$6,772

per month

Plan Year 1

Plan Year 26

In-Home Care or Community Care

(Benefit grows 3% compounded annually — Plan Years 2 -26)

$75*

per day

$2,281

per month

$158*

per day

$4,806

per month

Benefit Period

Lifetime or up to $750,000

Elimination Period

90 days

Inflation Protection

3% Compounded (Plan Years 2 to 26)

Payment Term

35 years or Lifetime Pay

Respite Care

15 calendar days per year

Waiver of Payment

While receiving benefits.