Every minute 49 Americans become disabled.
According to recent statistics 70% of Americans will need some Long Term Care after age 65 and 40% of those currently receiving Long Term Care are between ages 18 and 64. Long Term Care refers to a variety of services utilized by chronically ill or disabled people over an extended period. The main services are Nursing Home Care, Residential Care and Home Health Care.
In 1999 California Law Enforcement Association and California Association of Professional Firefighters formed a jointly sponsored Long Term Care Trust, National Peace Officers and Fire Fighters Benefit Association, to provide their Participants with quality, affordable Long Term Care Coverage. Today National Peace Officers and Fire Fighers Benefit Association (NPFBA) provides nearly 11,000 Peace Officers, Fire Fighters and their spouses with Long Term Care coverage.
NPFBA is a non-profit, mutual benefit trust, established and operated under Certificates of Authority issued by the CA Dept. of Insurance. NPFBA complies with the requirements of the California Insurance Code governing benefit and relief associations for peace officers and fire fighters, as well as the applicable requirements of the Internal Revenue Code and the Employee Retirement Income Security Act of 1974, as amended. All NPFBA funds (over $50 million as of 2012) are dedicated to its non-profit purposes and the investment of its funds is actively managed by Wells Fargo Advisors. The investments are conducted under the guidance and on-going review of the NPFBA Trustees and pursuant to the NPFBA Investment Policy document that sets out NPFBA’s investment objectives and guidelines. The assets of NPFBA are held in stocks and bonds, cash and cash equivalents, and other investments with the goal of providing long term growth and protection.
Do you want to age with dignity
and protect your assets?
If so you need NPFBA Long Term Care Coverage.