California Association of Professional Firefighters (CAPF)

CAPF is a non-political, non-profit benefit association committed to offering the best benefits available to nearly 16,000 professional California firefighters. For nearly 31 years, the CAPF Plan
has served the California Public Safety benefit market with leading comprehensive benefits and
the best rates.

CAPF provides a total solution for Long Term Disability (LTD) coverage and Long Term Care
(LTC) coverage for both individuals and groups.

Payroll protection now covers 80% of pay, up to $10,000 per month. Includes: Lifetime Benefits, Catastrophic Benefits, Sick-Leave Integration Benefits, Challenged Workers' Compensation Benefits, and a Death Benefit.


How important is the CAPF Plan? Hear what actual Participants say.

“It is with great respect and honor that I recommend the CAPF organization. CAPF has provided both immediate and long term income to our members when they have become disabled either on or off duty. CAPF benefits have been the financial life-line and we truly appreciate being part of one of the best non-profit, member owned associations in the state!”

Joel DeGuzman, Torrance Firefighters



“Over the past 22 years, CAPF has provided the best salary protection, LTD coverage to my 2,000+ members in the LA Co. Fire Relief Association. Hundreds of my members have received well over $2 million in benefits when they have needed them the most. We are there 24 hours a day when the citizens need us, the CAPF has always been there for our brothers and sisters in their time of need. I highly recommend the CAPF Plan to all California professional firefighters!”

John Haugh, Director and former President, LA County Firemen’s Relief Association



“Over the past 25 years, CAPF has delivered disability benefits to our members in a timely and professional manner.  Our members understand the importance of protecting their income and no other LTD Plan offered to professional firefighters comes close. We are very pleased to recommend the CAPF LTD Plan to anyone who wants the best financial protection for their members.”

Neal Hurd, Monterey Firefighters



“For nearly 30 years, CAPF has been one of the best benefits we have ever offered to our members! It has been cost effective and comprehensive when it comes to protecting the financial livelihood of many of our disabled brother and sister firefighters – don’t leave home without it.”

Julian Malloy, San Jose Fire, CAPF Director



“Beverly Hills Fire was one of the charter groups to join the CAPF LTD Plan back in 1987.  The benefits have been delivered as promised and most importantly — on time. We could not be more pleased with the entire operation from the self-management of the Plan to the administration of the Plan.” 

Dave Perusse, Beverly Hills Firefighters Association



Providing superior Long Term Disability Coverage to nearly 16,000 Fire Service Participants since 1985.