NPFBA Benefits
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
Covers room and board, supplemental services, and patient supplies in an eligible residential care facility. You are eligible when you can't perform 2 or more ADLs.
Home Health Care
Covers fees for Home Health Care Services, Personal Care Services and Homemaker Services provided by an eligible provider. You are eligible when you either can't perform 2 ADLs one of which must be transferring or can't perform 3 ADLs.
Lifetime Benefit Coverage
NPFBA covers Long Term Care benefits for as long as you need them. Other plans will only cover benefits for a specified number of years, usually between 2 and 5 years, unlike NPFBA whose benefits are for a lifetime.
5% Compounded Inflation Protection
Each year you are in the Plan your daily benefit will increase 5%. For example, $150 per day Nursing Home benefit will increase to $233 per day after 10 years, $379 per day after 20 years, and $617 per day after 30 years in the Plan.
See the 150/70/50 Plan
See the 130/70/50 Plan
Paid Up Plans
NPFBA offers payment periods of 20, 25, 30, 35, and 40-Years (based on enrollment age). Other plans require lifetime payments to continue coverage.
Respite Care
Allows care provider to take a temporary leave.
Death Benefit*
Before age 70 - The amount of your payments up to $5,000
Age 70 to 75 - The amount of your payments up to $2,500
60-Day Elimination Period
Participants medically underwritten as preferred health status have a 60-Day Elimination Period. Standard health status has a 90-Day Elimination Period.
Waiver of Payment
Payments are waived while the Participant is receiving benefits from NPFBA.
For Illustration only. See Plan Document for specific information.
* Participants who joined prior to 2007, please refer to your schedule of benefits.
