The IBT provides a variety of supplemental insurance plans for PORAC Members, administered by AFLAC. These supplemental plans are designed to assist in offsetting the costs of medical expenses and pay the benefits directly to the employee or designee.

The plans are further designed to pay in addition to any other insurance plan, Workers Compensation, Social Security and the Short Term Disability (STD) plans offered by the Insurance & Benefits Trust (IBT).  Consistently for the past 4 years AFLAC has processed in excess of 7300 claims and paid PORAC members benefits in excess of 2 million dollars per year.  We urge you to examine our plans and see if any fit your family needs.

AFLAC products include:

Accident Advantage Option 3

Accident Advantage Option 4

 Cancer Protection Assurance

Critical Care Protection – Plan 3

Hospital Choice Plan

For additional information, go to