CAPF Clear Text - July 2012

July 2012

Congratulations Jimmy Watkins!

Jimmy Watkins, a Kern Co. Firefighter and CAPF Participant, will be representing the United States at the London Olympics in the Cycling - Track, Men's Sprint.

Watkins began cycling nine years ago to maintain the physical standards necessary for his job. Watkins owns or shares 3 national track cycling records and competed this year in the 2012 UCI Track World Championships in Melbourne, Australia.

Cycling - Track, Men's Sprint will be held August 4th.

Good Luck Jimmy Watkins!

Congratulations to the 2012 CAPF Children's Scholarship Recipients!

Sponsored by CAPF's Plan Administrators,
California Administration Insurance Services, Inc.

We are very pleased to announce that the following students have been awarded the CAPF Children's Scholarships for 2012.

Kaitlin Lafreniere -- National City Firefighters

Kaitlin will be attending the University of Wyoming as a Speech, Language and Hearing Sciences major.

Emily Lawrence -- Oceanside Firefighters

Emily will be attending Embry-Riddle Aeronautical University as a Global Securities and Intelligence Studies major.

Jennifer Marshall -- Santa Monica City Firefighters

Jennifer will be continuing at University of Southern California as a Dental Hygiene major.

Marisa Merchant -- Orange County Firefighters

Marisa will be attending Loyola Marymount University as a Business Management major.

We would like to thank the nearly 100 students who submitted scholarship applications and wish them well in their education endeavors.

Please visit www.CAPF.org in the Fall for the 2013 scholarship application.

Why Are Long Term Care Coverage Providers Making Major Changes?

You may have read that the long term care coverage industry is in flux lately. Some large companies such as MetLife and Prudential have stopped issuing new policies. Others like Mass Mutual and even NPFBA have adjusted their plans. The flux may lead you to question the stability of your current policy or delay purchasing a policy. However, long term care coverage remains a good way to protect your assets as you age.

The long term care industry has been changing as it matures. Most companies only began offering long term care coverage in the late eighties and nineties. At that time, the industry based rates and benefits on the available national statistics for life expectancy, potential care needs, and future interest rates. However, the United States has experienced dramatic changes in all of these numbers. Americans are living longer than 25 years ago, which means we spend more time in nursing homes, assisted living facilities and using home health care services. This means that long term care coverage providers need more assets than anticipated to cover benefit costs. At the same time, interest rates have gone down and are projected to remain low for a few more years. Lower interest rates decrease the amount of potential assets available to pay for long term care benefits. The combination of factors has led to adjustments and consolidation within the long term care coverage industry. Click Here to Read More

Drinking Red Wine Is Good for Gut Bacteria

Moderate Intake of Some Red Wines May Improve Health, Study Shows

Wine glass May 25, 2012 -- Drinking a daily glass of red wine not only tastes good to many people, but it's also good for the bacteria lining your large intestine.

A new Spanish study suggests that sipping about 9 ounces of Merlot or a low-alcohol red wine changed the mix of good and bad bacteria typically found in the colon in ways that can benefit your health.

Bacteria may sound like a bad thing to have in your intestinal tract, but having a balanced mix of them actually helps to digest food, regulate immune function, and produce vitamin K (which plays a key role in helping the blood clot).

Click Here to Read More at WebMD

By Cari Nierenberg, WebMD Health News. Reviewed by Louise Chang, MD.

Upcoming Events

Alameda Firefighter's Association Annual Pancake Breakfast

Date: July 29, 2012

Time: 9 AM

Location: Fire Station #1, 2401 Encinal Ave, Alameda

Fallen Firefighters Memorial Tournament

Date: September 11, 2012

Time: Noon Shotgun Start

Location: Coto de Caza Golf & Racquet Club, 25291 Vista Del Verde, Coto De Caza

Entry Fees: $250 per golfer, $200 per golfer for Firefighter/Safety Personnel

More Information: Download Flyer

Support Orange County Professional Firefighters' Fallen Fire Fighters Relief Fund� during a fun filled day of golf.

Mountain View Firefighters Pancake Breakfast

Date: September 22, 2012

Time: 8 - 11 AM

Location: Fire Station #4, 229 N. Whisman Rd., Mountain View

Cost: $5 for Adults & $3 for Children

Proceeds support the Alisa Ann Ruch Burn Foundation.

O.C. Guns & Hoses Charity Ride

Date: September 23, 2012

Starting Point: Ocean Institute in Dana Point

More Information: www.ocgunsandhoses.com

The Guns & Hoses Charity Ride supports Orange County public safety charities.

National Fire Prevention Week

Date: October 7-13, 2012

CAPF Board of Directors Meeting

Date: October 19, 2012

CPF California Firefighter Memorial

Date: October 20, 2012

Location: Sacramento

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

CAPF website

NPFBA website

Beneficiary

Applies to:
Long Term Disability & Long Term Care

Explanation:
A beneficiary is a living person, charitable trust or non-charitable organization designated by you to receive your Death Benefit. Both CAPF and NPFBA require beneficiaries to be a minimum of 18 years old. Additionally, CAPF and NPFBA will send your Death Benefit to the beneficiary on file so it is important to keep your beneficiary information current.

Download Change of Beneficiary Form

Do you have questions
about CAPF?

Your CAPF Vice Presidents invite you to contact them with your questions or concerns.

Captain Erick Mattson,

Vice President North

[email protected]

Captain Ken Blanton,

Vice President South

[email protected]