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. […] Read More »

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 […] Read More »

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 […] Read More »

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 […] Read More »

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 […] Read More »

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 […] Read More »

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 […] Read More »

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 […] Read More »

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 […] Read More »

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 […] Read More »