A Message From California Casualty’s Auto & Home Insurance
To PORAC Policyholders… The Mountain Fire is causing significant disruption for many families, and our hearts go out to those affected. We know wildfires can be life-altering events, and we want to reassure you that we are here to support PORAC members during this challenging time. If you have an auto, homeowner, or renter policy […]
Who to Contact
For years now, the Insurance & Benefits Trust (IBT) has been providing PORAC members with exceptional benefits designed by peace officers for peace officers. These benefits provide comprehensive coverage and affordable insurance products for our member participants. As open enrollment has drawn to a close, the IBT would like to take a moment to review […]
Police & Fire Health Plan 2025 Rates Comparison
CalPERS Open Enrollment Runs September 16th through October 11th The 2025 rates for the Police & Fire Health Plan sponsored by the Insurance and Benefits Trust of PORAC were finalized. Our rates are some of the lowest rates available to our members and in some cases, lower than some HMO plans! The Police & Fire […]
IBT Board of Trustees Set 2025 Police and Fire Health Plan Rates
The Insurance and Benefits Trust of PORAC’s (IBT) Board of Trustees have set the 2025 health plan rates for the Police and Fire Health Plan. Following the past years trends, the cost of medical services continued to rise for the health insurance industry as a whole. Increased health insurance costs are contributed to by a […]
Dental Health
Good oral health is important to maintaining your general health and well-being. Poor oral health can cause pain, poor performance, productivity loss, and a lower quality of life. Oral diseases — which range from cavities and gum disease to oral cancer — are largely preventable with a combination of professional and self-care. 1 Some of […]
Update to the “Welcome to the IBT” letter
Dear Member: This is to provide you with an update on the initial communication from the Insurance and Benefit Trust of PORAC (IBT) sent to member association boards on April 9, 2024, concerning the IBT taking over full administration from Myers-Stevens & Toohey Co., Inc. (MST), effective July 1, 2024. Additional time was needed to […]
Insurance Updates
Moving forward this summer the Insurance and Benefits Trust of PORAC (IBT) will take over full administrative duties from Myers-Stevens-Toohey & Co. Inc. (MST). For the last 33 years, the IBT has been offering disability, life, accidental death and dismemberment, and vision and dental plans to law enforcement and their families administered though MST. The […]
Disability Insurance: An Overview of Plans Offered
You may carry insurance on important and valuable items in your life like you home and auto, but have you considered protecting one of your most crucial assets? Your ability to earn an income. It may seem unfathomable to someone who is healthy; however, one-in-four individuals in the US will experience a disability in their […]
Save the Date: CalPERS Open Enrollment
The CalPERS open enrollment period for adding, changing or terminating Health insurance benefits will run from September 16, 2024 through October 11, 2024. Simultaneously, the IBT’s Dental and Vision plans follow the same open enrollment period. Health, Dental and Vision plans have an effective date of January 1, 2025. Please review IBT’s Health, Dental and […]
Aflac Supplemental Insurance Products
Aflac is here to help you when things go wrong. Our plans are designed to help you through catastrophic events and accidents big or small, by paying you based on medical treatment received. Over 50% of bankruptcies are caused by medical bills, AFLAC was designed to help keep you whole financially while you are dealing […]