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                              | | Children's Scholarship Program 2012 
 
  Since 1989, the Children's Scholarship Program has helped children of  CAPF Participants attain their education goals. California  Administration Insurance Services, Inc. (CASI), our Plan Administrators,  has sponsored 78 scholarships so far. This year CASI will award 4 scholarships of $500 each to 3 high school seniors and 1 sophomore or junior in college. 
 
 Eligibility Requirements  Child  of CAPF Plan Participant who has participated for at least 1 year prior  to April 2, 2012 or retired CAPF Participant who currently participates  in the NPFBA Long Term Care Plan. 3.0 or better GPACategory 1 - High School Senior enrolled or enrolling full-time at an accredited 2 or 4 year college, university, or vocational-technical schoolCategory 2 - Full-time Sophomore or Junior attending an accredited 2 or 4 year college, university, or vocational-technical school
 Application Deadline: Postmarked April 2, 2012*   Download Information and Application Packet   Visit CAPF website for more information   *Applications postmarked after April 2, 2012 cannot be accepted.   | 
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A Gift to You and Your Family: Long Term Care Benefits    
When you're 80 how old will your children be? Will they be caring  for children of their own or getting ready for retirement? Long Term  Care coverage may seem like something you give yourself but the truth is  that both you and your family will benefit from it. Or maybe you're  single without children, who will help with your care needs? Long Term  Care coverage provides you with the financial support to increase your  care options.
 The reality is that as Americans live longer more  of us need Long Term Care. While studies show that children and spouses  are intimately involved in Long Term Care, studies also show that  caregivers experience more rewards when they function as care managers  instead of care providers. Long Term Care benefits mean you'll be able  to afford Home Health Care, Residential, or Nursing Home Care instead of  asking your loved ones to take care of your daily needs or pay for your  care from their budgets. Instead of the stress of a daily care provider  your loved ones can function as a care manager and focus on meaningful  interaction.
 
 If you choose a Long Term Care Plan now,  your payments will be lower, you'll earn more benefit COLAs and you  might even have it paid off before you retire.
 
 For more information on Long Term Care benefits and cost, visit NPFBA's website www.NPFBA.org or call 1-877-582-0003, option #2.
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 | Keep Holiday Stress to a Minimum:  Learn to Say No
 Before your holiday stress levels start to rise, learn these 4 simple tactics for saying no to unnecessary obligations.   
For many of us, the holidays were magical in childhood, carefree times to be savored. But then we grew into hordes of harried adults, falling victim to the season's high expectations. Holiday stress has become as much a tradition as the  Christmas ham.   "People are overcommitted," says Marc D. Skelton, PhD, PsyD, a psychologist in Laguna Niguel, Calif. "Christmas and other holidays around this time are always supposed to be fun, and you're supposed to do a good job in terms of entertaining friends and family."   In an attempt to live up to the season's tall orders, "people will just run from pillar to post," he says. It's not even "Christmas" anymore, some of his clients lament. It's "Stressmas."
 
 Click Here to Read More at WebMD       By Katherine Kam, WebMD Feature. Reviewed by Louise Chang, MD. © 2007 WebMD, Inc. All rights reserved. | 
 | Upcoming Events
     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 www.CAPF.org for more information. Download Application Packet.      California Firefighters Summer Olympics Hosted by Palo Alto Firefighters Local 1319  Date: July 15 - 20th More Information: www.firefighterolympics.org    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 Rebecca@caladmin.com. Events published at CAPF's discretion.  | 
 |  | | Waiver of Payment or Dues
 |  | Applies to: Long Term Disability and Long Term Care
 Explanation:
 While a Participant is receiving benefits from either CAPF or NPFBA, his or her payments/dues are waived.
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 | 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,   CALSTAR, Enterprise Car Rental   and 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 Scholarshipsfor children of CAPF Participants.
 Check the CAPF website for more information.  
 Submission Deadline: April 2, 2012
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