CAPF - Long Term Disability NPFBA - Long Term Care

    CAL Fire Local 2881

    Your paycheck and your pension are the foundation of your financial security — and protecting both should be a top priority. Here are two options to secure your income and retirement while safeguarding your long-term financial future for you and your family.

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    CAPF - Long Term Disability

    • Protects your income while you are actively working

    • Replaces up to 80% of your salary as a tax-free benefit

    • Built specifically for the risks of the fire service

    • Provides coverage for both on-duty and off-duty injuries or illness

    • Backed by decades of stable plan performance
    See How Affordable CAPF LTD Is.
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    NPFBA - Long Term Care

    • Protects your pension and long-term retirement income from the high cost of care

    • Coverage available to your spouse for full household protection

    • Designed and managed by public safety members who understand the risks

    • Rates consistently lower than comparable plans in the traditional long-term care market

    • Provides coverage for home care, assisted living, and skilled nursing benefits

    Learn More About LTC Pricing
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    Why More Firefighters Choose Member-Built Protection

    CAPF has over 40 years of protecting California firefighters, and NPFBA brings more than 25 years of proven growth and financial strength. Both plans were built by your fellow firefighters as self-funded nonprofit trusts operating under the California Insurance Code, designed to deliver secure, member-focused protection for the public safety community.

    They adhere to strict CDI oversight, undergo regular actuarial reviews, and maintain strong financial reserves — with CAPF holding over $17 million in assets and NPFBA over $220 million — ensuring the benefits you qualify for will be there when you need them most.

    You and your family can move forward with confidence knowing these plans are structured for long-term stability, protecting your financial foundation and the security you’ve worked your career to build.