Personal Accident Insurance Plan

Today, more than ever, shouldn’t you be prepared for the unexpected? Accident insurance can be extremely important to you and your family in the event of an accident. No matter what precautions you take, accidents DO happen. CPF Insurance Trust is providing you with the opportunity to purchase Accidental Death & Dismemberment (AD&D) coverage through convenient payroll deductions, if available. You can purchase coverage for yourself and your spouse and/or children.

Fully insured by a recognized carrier licensed to operate in California.

Should you have any questions, contact us today. Toll Free- 888-811-0811

Long Term Disability

CPF Insurance Trust Long Term Disability Information.

CPF Insurance Trust LTD Enrollment.

In some cases, a Local will pay all or part of the cost for member group term life and/or disability insurance. IAFF-FC Insurance Division can shop this coverage across several insurance carriers to ensure the Local is getting the most coverage for its members at the most competitive cost. In many cases we can find substantial savings for Locals. IAFF-FC Insurance Division also serves as the liaison between the insurance carrier(s) and members to maintain excellent customer service. Getting started with a no obligation cost/benefit review is fast and easy. Contact IAFF-FC Insurance Division toll-free today at (866) 423-3757.

Direct Link to IAFF Goup Life and Disability web page.

Direct Link to IAFF Insurance Division web page.

Long-Term Care Program


Welcome to CalPERS Long-Term Care

Long-term care coverage can be a valuable tool in your financial and retirement planning. Learn more about CalPERS Long-Term Care coverage, pricing and the application process.

Learn & Apply
How to Apply

Direct Link to CalPERS Long Term Care Program web page.

One of the biggest threats to your financial security can be the high cost of long-term care. The reality is that extended care can be needed by anyone – at any age. Long-term care is the extended care you would need because of chronic illness, injury, or frailty of old age. Your conventional health plan won’t provide the extended or personal care you’d need if you required long-term care.

Without long-term care coverage, the financial and emotional ramifications could be devastating. Having long-term care coverage gives you control over your assets and your care choices – and the peace of mind to enjoy today, knowing that tomorrow is secure. With CalPERS, you can be part of one of the most comprehensive and affordable long-term care programs available today, even if you’re not a CalPERS member.

CUSO Financial Services, Inc.** has partnered with top carriers in the LTC industry to help you protect your financial assets and preserve your lifestyle with proper planning.

So we may help you understand long-term care insurance, please take the opportunity to sit with one of our CFS financial advisors to review your individual financial plan and explain the different types of coverage.

Already have an existing long-term care policy? With constant updates to long-term care insurance products, we will review your LTC policy to make sure it is still on track for coverage you are planning for.

  • Medicare provides very limited coverage of most long term care costs.
  • Long-term care insurance is the only coverage designed for the express purpose of helping pay for extended home care, assisted care, and nursing home care.
  • To learn more about what the average cost of nursing home care may cost in your area, please Genworth Industry Expertise – Cost of Care.

For general information, visit

For additional and individually designed LTC plans, please contact a CFS Financial Advisor.

Other Insurance Companies Used by Our Members

These companies may not be endorsed by Local 2881, but are used by our members.