National Peace Officers and Fire Fighters Benefit Association

The   only   Long   Term   Care   Plan   created   specifically   forSafety   and   Non-Safety   members   of  Law Enforcement &  Fire Service Personnel  &   their   spouses.

PLAN FOR YOURFUTURE

NPFBA is a non-profit, mutual benefit trust,
established and operated under the certificates of authority of CAPF and CLEA by the California Department of Insurance.  NPFBA was established under the California Insurance Code, pursuant to section 11400-11407 governing benefit and relief associations of peace officers and firefighters.

SECUREYOUR FAMILY

As the cost of care continues to rise, Long Term Care (LTC) coverage becomes an increasingly important component of every American’s safety net. Traditional health insurance does not cover most LTC services.

Get inpatient room and board, supplemental services, and patient supplies.

BENEFITS

Nursing Home Care

Reimburses expenses for room and board, supplemental services, and patient supplies up to your monthly maximum benefit. You are eligible when you cannot perform 3 or more Activities of Daily Living (ADLs).

3% Compounded Inflation Protection

Each year you are in the Plan your daily benefit will increase 3% Compounded (Plan years 2 through 26). For example, $150 per day Nursing Home benefit will increase to $170 per day after 5 years and $228 per day after 15 years.

Residential / Assisted Living Care

Reimburses expenses for room and board, supplemental services, and patient supplies up to your monthly maximum benefit. You are eligible when you cannot perform 2 or more ADLs.

Paid Up Plans

NPFBA offers payment periods of 25, 30, 35, 40, and 45-Years (based on enrollment age). Other plans require lifetime payments to continue coverage.

Home Health Care

Reimburses expenses for Home Health Care Services, Personal Care Services and Homemaker Services provided by an eligible provider up to your monthly maximum benefit. You are eligible when you either cannot perform 2 ADLs one of which must be transferring or can not perform 3 ADLs.

Respite Care

Respite Care is temporary care provided to Participants after satisfying the Elimination Period and other conditions for receiving benefits to allow time off for those who ordinarily care for them on a regular basis. The benefit shall be paid for up to 15 days within the calendar year. Respite Care does not need to be consecutive days.

Lifetime Benefits

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. NPFBA benefits cap at $1,000,000.

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.

GET THE PROTECTION

YOU AND YOUR FAMILY DESERVE!

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.

YOUR LIFE

YOUR PLAN

LEARN MORE ABOUT

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Compare Our Plans With This Helpful Chart

If you would like to see a comparison of long term benefits, check out the post below!

Oct 24 no Comments. Nicholas McGill
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12 Reasons You Need Long Term Care

As the cost of healthcare 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.

Oct 24 no Comments. Nicholas McGill
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An Inspiration to All: Meet a Fire Fighter Who Beat The Odds

On April 20, 2006, Sean Simonson, a City of Milpitas fire fighter, flew over the handlebars of his mountain bike and landed on his head. Sean’s accident injured his spinal cord and changed his life forever when he became a quadriplegic (someone with limited or no movement in their arms and legs).

Oct 24 no Comments. Nicholas McGill