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,
jointly established by CLEA and CAPF and operated pursuant to Certificates of Authority issued to CAPF and CLEA by the California Department of Insurance. CLEA and CAPF were each established under the California Insurance Code, Sections 11400-11407, governing benefit and relief associations of peace officers and firefighters.
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.
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 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.
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, jointly established by CLEA and CAPF and operated pursuant to Certificates of Authority issued to CAPF and CLEA by the California Department of Insurance. CLEA and CAPF and their benefits trusts comply with the requirements of the California Insurance Code governing benefit and relief associations for peace officers and firefighters, as well as the applicable requirements of the Internal Revenue Code.
LEARN MORE ABOUT
Compare Our Plans With This Helpful Chart
If you would like to see a comparison of long term benefits, check out the post below!
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.
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