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 […]
2023 Non-Safety Summary Annual Report
Summary Annual Report For the INSURANCE AND BENEFITS TRUST OF THE PEACE OFFICERS RESEARCH ASSOCIATION OF CALIFORNIA NON-SAFETY PLAN This is a summary of the annual report of the Insurance and Benefits Trust of the Peace Officers Research Association of California Non – Safety, EIN 68-6068469, Plan No. 502, for period January 1, 2023 through […]
Health Plan 2026 Rates Comparison
CalPERS Open Enrollment Runs September 15th through October 10th The Insurance and Benefits Trust of PORAC has finalized the 2026 rates for the Police & Fire Health Plan, continuing its commitment to offering affordable, high-quality coverage. These rates remain among the most competitive available—often even lower than some HMO plans—providing exceptional value to members. Currently […]
Police and Fire Health Plan Rates Set for 2026
The Insurance and Benefits Trust of PORAC (IBT) Board of Trustees has finalized the 2026 health plan rates for the Police and Fire Health Plan, following a detailed review of the ongoing trends in healthcare costs. Over the past few years, the overall cost of medical services has continued to rise, impacting the health insurance […]
A Police & Fire Health Plan Overview
Health care is something that we all need to consider at some point in our lives. While none of us plans to fall ill or get injured, it’s crucial to be prepared for medical needs when they arise. This is especially true for first responders like police officers and firefighters, whose work exposes them to […]
Save the Date: CalPERS Open Enrollment
The CalPERS open enrollment period for adding, changing or terminating Health insurance benefits will run from September 15, 2025 through October 10, 2025. 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, 2026. Please review IBT’s Health, Dental and […]
Aflac Supplemental Insurance
Medical debt is a growing concern in the U.S., with an estimated $88 billion in outstanding medical bills impacting one in five Americans, according to the Consumer Financial Protection Bureau.1 For many, the financial burden of a medical emergency can be overwhelming, but there are ways to ease the strain. One valuable resource for PORAC […]
Standing By Those Who Serve
I attended the California Peace Officers’ Memorial this past month as I have for several years. The memorial serves as a reminder of the dangers we face in the law enforcement professions and gives a formal venue to honor those who have made the ultimate sacrifice for our communities. As we honor the fallen, we […]