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CAPF Clear Text
October 2011

Do you know what your Long Term Disability Benefits are?   

93% of CAPF Participants are protected by Group Plan A, which is $19.50 per month. (Plan B is $16 per month but has reduced benefits.) 


Group Plan A Benefits include:

  • 80% of wages protected for Non-Industrial Disability
  • 70% of wages protected for Industrial Disability
  • Lifetime benefits for sickness, accident or pregnancy
  • Musculoskeletal & Connective Tissue Disorders - Covered, no restrictions lifetime Industrial and Non-Industrial causes.
  • $750 per month Minimum Benefit ($500 per month for
    Industrial caused & disputed Workers' Comp.)
  • $15,000 Death Benefit on- or off-duty - natural, accidental or terminal illness (Payable and delivered usually within 24 hours of notification).    
For more information about Plan A or any other Plan offered by CAPF check the CAPF website. For illustration only, please check your Plan Document for specific information on Benefits. CA Insurance Lic. #0544968


Visit our website:  

Meet a Firefighter who beat the odds...
an inspiration to all


Sean SimonsonOn April 20, 2006, Sean Simonson, a City of Milpitas firefighter, 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). Initially, doctors believed that Sean would not regain any of his lost movement, which meant he would only be capable of moving his left arm leaving Sean bed ridden for the rest of his life. Sean proved the doctors wrong and immediately began planning his return to the fire department and competitive sports.


Click Here to Read More    


By Sean Simonson, CAPF and NPFBA Participant, and Jim Floyd, Plan Administrator

Is the Internet Replacing Your Memory?

Study Suggests Reliance on Web Sites May Signal a Shift Away From Memorization


July 14, 2011 -- Google, Facebook, Internet Movie Database, and many other sources of information on the Internet are changing the way in which we remember.


Whether it's an actor's name that is on the tip of your tongue, or even a loved one's birthday, all you have to do is type in some key words and you often can have your answer.  


As a result of this instant access, growing numbers of us may actually be outsourcing our memories. It's called the "Google effect," and it is documented online in the journal Science.

Click Here to Read More at WebMD     


By Denise Mann, WebMD Health News. Reviewed by Laura J. Martin, MD 

2011 WebMD, LLC. All rights reserved.
Upcoming Events

Letters to Santa Charity Golf Tournament and Dinner  

Date: November 4

Time: 11 am Check-in, 12 pm Shotgun start, 6:30 Dinner 

Cost: $135 for Golf & Dinner, $40 for Dinner 
Turlock Golf & Country Club, 10532 N. Golf Link Rd., Turlock  

More Information:   


Help the Modesto Fire Department bring Christmas to the children of Stanislaus county. Since 2002 the Modesto Fire Department has been making children's Christmas wishes come true by providing gifts.      


Great Balls of Fire Charity Golf Tournament

Date: November 14

Time: 10 am Check-in, 11:30 Shotgun start

Cost: $250 per player

Location: Seacliff Country Club, 6501 Palm Ave., Huntington Beach  

Contact: (951) 751-2737, [email protected] or 


Proceeds benefit the Huntington Beach Firefighters' charities in the Huntington Beach community. Download flyer  


Children's Scholarship Program Application Deadline

Date: April 2, 2012


California Administration Insurance Services, Inc., the CAPF Plan Administrator, sponsors four scholarship to children of CAPF Participant's each year. Please visit for more information. Applications will be available in November. 


National Fire Prevention Week 

Date: October 7-13, 2012


If you have an event you'd like us to include, please send an email to [email protected]. Events published at CAPF's discretion. 

Quick Links
Pre-Existing Condition

Applies to:
Long Term Disability and Long Term Care

Pre-Existing Condition refers to any injury, sickness, or pregnancy that first began prior to benefit coverage. A condition is generally considered to be pre-existing if a person has sought medical advice or treatment for a condition, a condition was detected during an exam, or symptoms existed which would reasonably cause a person to seek medical advice. Also, any injury or sickness resulting from treatment of a Pre-Existing Condition is considered to be a Pre-Existing Condition. Benefit plans address Pre-Existing Conditions in different ways. For example, Pre-Existing Conditions may be eligible for coverage after 24 or 48 months of participation in the CAPF Group Plan A if Participant enrolled properly. Similarly, NPFBA may attach a rider specifying when a condition maybe covered. For more information please check your Plan Documents.  


NPFBA Long Term Care Ad

Enjoy value added benefits compliments of your LTD and LTC Plans.

 All CAPF Participants, their families and friends are eligible for significantly discounted rates from

California Administration Insurance Services,

Liberty Mutual,  


Enterprise Car Rental  


Cardiovascular Diagnostic Center.


Click here to learn more


It's Scholarship Season Again!

Each year California Administration Insurance Services, Inc., the Plan Administrators, sponsors
4 Scholarships
for children of CAPF Participants.

Check the CAPF website for more information and an application in November.

Submission Deadline:
April 2, 2012