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CALPERS is the California Pension Plan group, and their insurance policies are only for people who have been public service employees in California, although from my understanding, the long-term insurance can be obtained (if a person has it) also by their parents, no matter where they live.

One other thing I neglected to put in my other post, was, not only is cost of policy decided by your age at time of sign-up; but at a younger age, you usually don't have any medical problems, that will prevent you from getting it.

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