The NPFBA Long-Term Care
Plan is the plan of choice for over 10,000 law enforcement and fire
personnel in California to protect them and their spouses from the
expense of long-term care at home or in a care facility.
The Plan protects assets such as salary, pension and deferred
compensation from the potentially catastrophic costs of care. Consider:
• The average annual cost of
convalescent care is over $64,000 – and is projected to be $170,000
in 20 years.
• The average lifetime expense for an Alzheimer’s patient is $230,000.
Remember: These are not expenses
covered by Medicare or private health plans, and limited coverage is
available through Medi-Cal only after "spending down" your assets.
The need for long-term care affects eight out of ten families in the
U.S., and three out of five Americans over age 65 will require 3 years
of long-term care assistance.
Are you prepared?
NPFBA’s LTC Plan provides lifetime coverage at affordable monthly
rates that are significantly less than those offered by CalPERS or
private insurers. The benefits package protects your standard of living, your
financial legacy and your independence by helping you stay at home.
You’ll also have the benefit of providing your family with the peace of
mind that comes from knowing you’re covered in the event you or your
spouse requires ongoing care.
