How Supplemental Insurance Safeguards Your Financial Health
For many families in the US, the financial burden of a medical emergency can be overwhelming. Fortunately, members of the Peace Officers Research Association of California (PORAC) have access to an essential safety net: supplemental insurance coverage provided by the Insurance & Benefits Trust of PORAC (IBT) and administered by Aflac. While primary health insurance […]
Save the Date: CalPERS Open Enrollment
The CalPERS and IBT open enrollment period for Health, Dental, and Vision benefits runs from September 14 through October 9, 2026. This is your annual opportunity to add, change, or terminate your coverage. All selections made during this window will take effect on January 1, 2027. Please take the time to review the available IBT Health, […]
Securing the Shield: Why Life and AD&D Insurance are Vital for Police Officers
For police officers, the concept of “risk” isn’t a theoretical calculation; it is a daily reality. From pursuits and confrontations to the physiological toll of high-stress environments, law enforcement professionals face hazards that far exceed those of the average workforce. While a badge and vest provide physical protection on the street, Life Insurance and Accidental […]
California Casualty Auto and Home Insurance
Protecting those who protect our communities requires more than just standard insurance coverage. For police officers, the line between professional and personal life often blurs, especially regarding the gear and equipment they carry. California Casualty specializes in bridging this gap with tailored personal auto, homeowners, and renters insurance benefits designed specifically for law enforcement professionals. […]
Supplemental Medicare Part D
Signing up for Medicare can be an overwhelming process. With multiple parts to navigate, let the Insurance and Benefits Trust (IBT) help with Medicare drug coverage (Medicare Part D). While Medicare Part D is optional, it’s recommended that you enroll as soon as possible to avoid lasting penalties. What is Medicare Part D? Medicare Part […]
Why Your Association Needs a Visit from the Insurance & Benefits Trust
In the demanding world of California law enforcement, the peace of mind that comes from robust, reliable insurance is not just a luxury—it is a necessity. While members of the Peace Officers Research Association of California (PORAC) are well aware of the organization’s legislative and legal prowess, one of its most valuable assets is the […]
Disability Insurance
Maintaining your most valuable asset—your ability to earn an income—is the cornerstone of a secure financial plan. While many prioritize health or auto insurance, disability insurance provides the essential bridge that keeps your household running when a medical crisis strikes. By maintaining both short-term (STD) and long-term disability (LTD) coverage, you create a seamless safety […]
Comprehensive Dental and Vision Solutions for PORAC Members
Maintaining overall health during retirement requires reliable access to specialized care. The Insurance and Benefits Trust of PORAC (IBT) addresses this need by offering robust dental and vision insurance plans tailored for Retiree Associate Members (RAM). These programs ensure that members receive high-quality care through established networks while maximizing cost savings. Dental Coverage Excellence The […]
Happy New Year from the Insurance and Benefits Trust of PORAC
The Trustees and staff of the Insurance and Benefits Trust of PORAC (IBT) extend warm wishes for a healthy, safe, and prosperous New Year to all participants and their families. As we reflect on the past year and look ahead to new opportunities, we remain grateful for the trust our members place in us and […]
2023 Safety Summary Annual Report
Summary Annual Report For the INSURANCE AND BENEFITS TRUST OF THE PEACE OFFICERS RESEARCH ASSOCIATION OF CALIFORNIA SAFETY PLAN This is a summary of the annual report of the Insurance and Benefits Trust of the Peace Officers Research Association of California – Safety, EIN 68-6068469, Plan No. 501, for period January 1, 2023 through December […]