CAPF Clear Text
CAPF Clear Text
April 2011

Welcome to the first issue of CAPF Clear Text. California Association of Professional Firefighters, your Long Term Disability Benefit provider, has developed this E-Newsletter to provide you with information about CAPF, its LTD Plan, and other useful information. If you have ideas for future topics or events you would like us to include in our Upcoming Events, please contact us at

If you no longer wish to receive this E-Newsletter please use the unsubscribe link above.
Plan History

In early 1985 a group of California Firefighters in the San Jose area became excited about the possibility of beginning their own self-funded Long Term Disability Plan that would turn out to be the finest LTD Plan in the state and most probably the entire nation. The founding organization realized that premiums being charged by large insurance companies far exceeded those that were needed to sustain a great plan with reasonable contributions. No longer would the insurance companies hold California Firefighters hostage to ever increasing premiums. Only those funds needed to provide great benefits and safety would be required. Profits were never a motive of the Plan.
Click here to read more...  

By Jim Floyd, Plan Administrator
Why Do I Need Long Term Care Coverage?
Man in Hospital


Everyone remembers that they need health and auto insurance but what about Long Term Care coverage? For most of us it falls far down on our "to do" list, if it even makes it on the list. But have you considered how you'll pay for Long Term Care when you need it?  Click here to read more... 


6 Surprisingly Dirty Places in Your Home


If you dropped a piece of fruit in your kitchen sink while rinsing it, would you think twice about popping it in your mouth? What if you dropped it in the toilet?


Germs like cold viruses and bacteria can live in some unexpected spots. Here are six surprisingly dirty places in your home -- like your kitchen sink -- and what you can do to protect yourself. Click here to read more at WebMD   


By Mary Anne Dunkin, WebMD Feature, Reviewed by Brunilda Nazario, MD  

Copyright 2009, WebMD, LLC. All rights reserved


Upcoming Events


CAPF Board of Directors Meeting 

Date: April 29
Location: Hyatt Regency Irvine


Are You Tougher than a 6th Grader?  

Date: May 7
Time: Check in starts at 6 am.
Location: Folsom City Zoo Park
Cost: Before May 1st - $45, Day of Event - $65
More Information:
Visit or contact Ryan Ellison at
(916) 496-2116 or

Sacramento Fire Department personnel, Patrick Norville Engineer at Station 57 will be cycling across the United States this June as part  of a 4-person team in Race Across America. You can help Patrick reach his fundraising goal and raise awareness for Organ Donation and Transplantation by participating in this fun and challenging ride. The event includes a Century, Metric Century & Half Century ride. Lunch and snacks will be provided for riders. For more information about Patrick's goals and how you can help visit


2011 Firefighter's Summer Olympics 

Date: July 10-15
Location: Hyatt Regency Newport, Newport Beach
More Information:

Don't forget to include the Firefighter's Summer Olympics in your summer plans. Participate in 31 events including basketball, golf, horseshoes, stickball, and triatholon. Hosted by Newport Beach Firefighters. Registration begins May 1st.

If you have an event you'd like us to include, please send an email to

In This Issue
Plan History
Long Term Care Coverage
Surprisingly Dirty Places
Quick Links
Respite Care

Often a benefit in Long Term Care policies, Respite Care covers temporary care for the Participant while the primary caregiver takes time off. A Respite Care benefit is important because it helps to protect the caregiver's physical and emotional health, which delays the Participant's need to enter a nursing home or assisted living facility. Respite Care is one of the many benefits included in the NPFBA Long Term Care Plan.