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 Insurance and Benefits Trust (IBT).
To truly understand the depth of protection available to you and your family, there is no substitute for a face-to-face briefing. Inviting a representative from the PORAC IBT to your next association meeting is the most effective way to ensure your members are maximizing their benefits.
Comprehensive Coverage Tailored for Peace Officers
The IBT doesn’t offer “off-the-shelf” plans. Instead, they provide specialized products designed specifically for the unique risks and requirements of the law enforcement community. A visiting representative can break down the complexities of several key areas:
Health, Dental, and Vision: Navigating provider networks and premiums can be a headache. A representative can explain the nuances of the PORAC Health Plan, often cited as one of the most stable and comprehensive options available through CalPERS.
Life and AD&D: Ensuring your family’s financial security in the event of a tragedy is paramount. The IBT offers competitive Group Term Life and Accidental Death & Dismemberment (AD&D) coverage that recognizes the inherent dangers of the profession.
Short-Term & Long-Term Disability: An injury on or off duty shouldn’t lead to financial ruin. Understanding how IBT’s disability coverages bridge the gap when you’re unable to work is vital for long-term planning.
The Value of Direct Engagement
Why host a meeting rather than just handing out brochures? Because the true value of the IBT lies in its personalized approach. Every association has a different memorandum of understanding (MOU) and unique local needs. A representative can provide a side-by-side comparison of current plans versus IBT offerings, identifying gaps in coverage that members might not even know exist.
Furthermore, these sessions allow for a live Q&A. Members can ask specific questions about claims processes, beneficiary updates, or how their benefits change as they approach retirement. This direct line of communication builds trust and ensures that when a crisis hits, your members aren’t scrambling to understand their policy—they already know they’re covered.
Don’t leave your members’ financial well-being to chance. By bringing the PORAC Insurance and Benefits Trust directly to your meeting, you are providing a service that goes beyond simple representation—you are providing security.
Associations can contact Damon Kurtz, Association and Recruitment Manager, to set up an in-person or virtual Q&A at their next meeting. Damon can be reached via email at dkurtz@ibtofporac.org or by phone at (800) 655-6397 ext. 4005.
Featured in the April 2026 issue of PORAC Law Enforcement News.