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 is essential, it rarely covers every expense. Gaps in standard policies frequently leave policyholders facing substantial out-of-pocket costs, including steep deductibles, copayments, and experimental treatment fees. Supplemental insurance acts as a vital financial buffer, providing direct cash benefits to help mitigate these unforeseen expenses precisely when families need support the most.

To meet the diverse needs of law enforcement professionals, Aflac offers several specialized plans tailored specifically for participating PORAC members:

Accident Insurance: Designed to offset the sudden costs of unexpected injuries. This plan covers expenses that primary health providers often miss, including emergency room treatment, physical therapy, hospital stays, and follow-up visits. It even assists with travel and lodging costs if an accident occurs away from home.

A new Line of Duty Benefit is available as part of the Accident Insurance. The new plan rider will pay up to $10,000 for certain line of duty injuries, including but not limited to: gunshot wounds, dismemberment, third-degree burns and accidental death.

Critical Care Protection: Major health events like a stroke or heart attack bring immense stress. This plan provides a lump-sum benefit upon diagnosis, offering critical capital to handle intensive care confinement, ambulance transportation, and specialized rehabilitation.

Cancer Protection Assurance: With the American Cancer Society reporting that 1 in 3 men and women will face a cancer diagnosis in their lifetime¹, this policy delivers crucial cash benefits to manage expenses before, during, and after treatment.

Hospital Choice Plan: This highly customizable indemnity policy provides direct cash benefits during hospital confinement, integrating seamlessly with other Aflac plans to ensure comprehensive protection.

Medical emergencies are inherently unpredictable, but your financial security should not be. By bridging the vulnerabilities left by primary health plans, these supplemental policies allow PORAC members to focus on recovery rather than fiscal survival.

To learn more about optimizing your coverage, visit the Supplemental page or call (858) 344-4331 to speak with a local Aflac for PORAC agent today.

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Featured in the August 2026 issue of PORAC Law Enforcement News.

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