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 […]
Medicare Supplement Plan
Did you know the Insurance and Benefit Trust (IBT) of PORAC offers a Medicare Supplement plan? In addition to supplementing treatment covered by Medicare, the IBT plan also covers some services that are not covered by Medicare such as vision and hearing care. Along with Medicare Supplement coverage, comes prescription coverage. The plan provides coverage […]
California Casualty’s Commitment to PORAC’s Auto and Home Insurance Program
Since its inception in 1914, California Casualty has steadfastly honored our commitment to safeguarding customers, prioritizing the well-being of our policyholders at the forefront of our mission. Today, we are reaffirming our unwavering dedication to serving affinity partners and their members. California is currently contending with a profound auto and home insurance crisis, leading numerous […]
February is Heart Health Month
February isn’t just for celebrating Valentine’s Day! February is also Heart Health Month and February 2nd is National Wear Red Day! These campaigns were designed to bring awareness to heart disease, which is a leading cause of death for many Americans. An important goal of these campaigns is to educate men and women about the […]