Content for id "topbluebanner" Goes Here


As the cost of health care continues to rise, Long Term Care (LTC) coverage becomes an increasingly important component of every American's safety net. Traditional health insurance doesn't cover most LTC services. State and Federal programs only cover people with low incomes and are notorious for the poor quality of care provided.


• The average annual cost of convalescent care is over $92,000.


• In 20 years, the average annual cost is expected to exceed $202,000.


• The average lifetime expense to care for an Alzheimer's patient is $290,000.


• Every minute 49 Americans become disabled.


• At age 32 you are 6.5 times more likely to become disabled than die.


• 75% of disabilities result from illness.


At least 70% of Americans will need some Long Term Care after age 65.


3 out of 5 people over age 65 will require a minimum of 3 years Long Term Care assistance.


40% of people receiving Long Term Care are between age 18 and 64.


• By age 85 we are 5 times more likely to need help with personal care than when we were 65. Additionally, after age 80 women are more likely than men to need help.


• Without Long Term Care coverage you will have to use your fixed pension income and other accumulated assets to pay for care.


350,000 bankruptcies each year are attributed to unexpected medical expenses.



Without LTC coverage, you or your children must cover the high costs of care. LTC coverage provides you with peace of mind and protects your assets.


Request More Information

A Jointly Sponsored
Long Term Care Trust
of CLEA and CAPF



Board of Trustees

Dave Boffi, Co-Chairman

Daly City POA

Erick Mattson, Co-Chairman

Redding Firefighters

Dennis Campanale, CFO

West Sacramento Firefighters

Joe Chirillo, CFO

Beverly Hills POA

Nick Faraclas, Secretary

Riverside Firefighters

Mario Yagoda, Secretary

Glendale POA

Gene Dangel

San Ramon Valley Firefighters

Jerry Hall

DSA of Santa Clara Co.

Kevin Mickelson

Sacramento Co. DSA

Aimee New

City of Sonora Firefighters

Darin Ryburn

Burbank POA

Steve Sandefer

Hemet Firefighters

Protecting Those Who Protect the Public