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 December 31, 2023.

The annual report has been filed with the Employee Benefits Security Administration, as required under the Employee Retirement Income Security Act of 1974 (ERISA).

SELF-FUNDED BENEFIT INFORMATION

The Trust maintains long term disability and death benefits under a self-funded program.

INSURANCE INFORMATION

The following brief description of the Trust benefits are provided for general information purposes only. Participants should refer to the Trust document for more complete information.

The plan has contracts with Metropolitan Life Insurance Company, Reliance Standard Life Insurance Company, Reliance and Reliastar Life Insurance Company to pay life insurance claims, AD&D and PAI claims incurred under the terms of the plan. The total premiums paid for the plan year ending December 31, 2023 were $103,740.

BASIC FINANCIAL STATEMENT

Benefits under the plan are provided by the Trust and insurance. Plan expenses were $453,173. These expenses included $142,126 in administrative expenses, $2,356 investment expenses and $308,691 in benefits paid to participants and beneficiaries and insurance premiums charged by insurance companies.

The value of plan assets, after subtracting liabilities of the plan, was $820,590 as of December 31, 2023, compared to $825,721 as of January 1, 2023. During the plan year the plan experienced a decrease in its net assets of $5,131. This decrease includes unrealized appreciation and depreciation in the value of plan assets; that is, the difference between the value of the plan’s assets at the end of the year and the value of the assets at the beginning of the year or the cost of assets acquired during the year. The plan had total income of $448,042. This income included employer contributions of $68,071, employee contributions of $299,806, earnings from investments of $68,585, and other income of $11,580.

YOUR RIGHTS TO ADDITIONAL INFORMATION

You have the right to receive a copy of the full annual report, or any part thereof, on request. The items listed below are included in that report:

1. an accountant’s report;
2. financial information;
3. assets held for investment;
4. insurance information, including sales commissions paid by insurance carriers;

To obtain a copy of the full annual report, or any part thereof, write or call the office of Insurance and Benefits Trust of PORAC at 2960 Advantage Way, Sacramento, CA 95834, or by telephone at (800) 655-6397. The charge to cover copying costs will be $0.00 for the full annual report, or $0.00 per page for any part thereof.

You also have the right to receive from the plan administrator, on request and at no charge, a statement of the assets and liabilities of the plan and accompanying notes, or a statement of income and expenses of the plan and accompanying notes, or both. If you request a copy of the full annual report from the plan administrator, these two statements and accompanying notes will be included as part of that report. The charge to cover copying costs given above does not include a charge for the copying of these portions of the report because these portions are furnished without charge.

You also have the legally protected right to examine the annual report at the main office of the plan (Insurance and Benefits Trust of the PORAC, 2960 Advantage Way, Sacramento, CA 95834) and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N-1513, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, N.W., Washington, D.C. 20210.

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Featured in the November 2025 issue of PORAC Law Enforcement News.

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 serving over 26,000 Safety members and their families, the Police & Fire Health Plan stands out as one of the most comprehensive plans in the CalPERS system. If your employer participates in the CalPERS health network, your association is affiliated with PORAC, and you are a PORAC member, you may be eligible to enroll in the plan.

For those interested in switching or re-enrolling, open enrollment is the primary opportunity to make changes to your coverage. The 2024 open enrollment period runs from September 16 through October 11, 2024.

If you’ve been covered by the Police & Fire Health Plan in the past or are considering joining for the first time, now is the time to explore your options. We encourage members to review and compare rates in their area to see the value PORAC continues to deliver.

The Insurance and Benefits Trust of PORAC remains dedicated to supporting the health and well-being of our members. Our experienced Insurance Services Representatives are here to ensure you and your family receive the best care and service possible.

For more information or to speak with a representative, call (800) 655-6397, Option 1, and Option 1 again. We look forward to continuing to serve the needs of our members—today and into the future.

Public Agencies Region 1 – Northern CA

	Single	2-Party	Family
PORAC Police & Fire Health Plan	$1,063.00	$2,418.00	$3,027.00
PERS Gold	$1,120.58	$2,241.16	$2,913.51
PERS Platinum	$1,670.14	$3,340.28	$4,342.36
Anthem HMO Select	$1,336.29	$2,672.58	$3,474.35
Anthem HMO Traditional	$1,612.08	$3,224.16	$4,191.41
Kaiser Permanente	$1,168.86	$2,337.72	$3,039.04

Public Agencies Region 2 – Central CA

	Single	2-Party	Family
PORAC Police & Fire Health Plan	$1,057.00	$2,127.00	$2,708.00
PERS Gold	$956.28	$1,912.56	$2,486.33
PERS Platinum	$1,426.24	$2,852.48	$3,708.22
Anthem HMO Traditional	$1,158.26	$2,316.52	$3,011.48
Blue Shield Access+	$1,052.89	$2,105.78	$2,737.51
Kaiser Permanente	$987.69	$1,975.38	$2,567.99

Public Agencies Region 3 – LA/Riverside/San Bernardino

	Single	2-Party	Family
PORAC Police & Fire Health Plan	$1,057.00	$2,127.00	$2,708.00
PERS Gold	$960.03	$1,920.06	$2,496.08
PERS Platinum	$1,431.81	$2,863.62	$3,722.71
Anthem HMO Traditional	$1,128.53	$2,257.06	$2,934.18
Blue Shield Access+	$917.91	$1,835.82	$2,386.57
UnitedHealthcare Signature Alliance	$870.76	$1,741.52	$2,263.98

State Agencies

	Single	2-Party	Family
PORAC Police & Fire Health Plan	$974.00	$1,950.00	$2,534.00
PERS Gold	$1,043.37	$2,086.74	$2,712.76
PERS Platinum	$1,512.13	$3,024.26	$3,931.54
Anthem HMO Traditional	$1,372.93	$2,745.86	$3,569.62
Blue Shield Access+	$1,088.52	$2,177.04	$2,830.15
UnitedHealthcare Signature Alliance	$1,097.94	$2,195.88	$2,854.64

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Featured in the October 2025 issue of PORAC Law Enforcement News.

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 industry as a whole. This increase is attributed to various factors, including greater healthcare utilization, escalating pharmacy expenses, rising costs of medical care, and labor shortages within the healthcare sector, among others.

In response to these challenges, the IBT Board of Trustees carefully examined the health plan’s performance across different regions and for both active employees and retirees. This review included a thorough analysis of the experience in each region and a close look at the prevailing health insurance trends. While the industry has seen upward pressure on rates, the 2026 rates for the Police and Fire Health Plan remain competitive, staying lower than those of some HMO plans. Additionally, the Plan’s Special Reserves continue to be robust, ensuring financial stability and long-term sustainability.

For members who were previously covered by the Police and Fire Health Plan but are no longer enrolled, or for those who wish to make changes to their coverage, now is the time to act. The annual Open Enrollment period offers the opportunity to join, make adjustments, or update coverage. For the 2026 coverage year, Open Enrollment will run from September 15, 2025, through October 10, 2025.

Public Agencies

	Employee Only	Employee +1 Dependent	Employee & 2+ Dependents
Region 1(Northern California)	$1,063.00	$2,418.00	$3,027.00
Region 2 (Central California)	$1,057.00	$2,127.00	$2,708.00
Region 3 (LA, Riverside & San Bernardino)	$1,057.00	$2,127.00	$2,708.00
Out of State	$1,206.00	$2,448.00	$2,900.00
Supplemental Plan to Medicare	$597.00	$1,322.00	$1,791.00

State Agencies

	Employee Only	Employee +1 Dependent	Employee & 2+ Dependents
California	$974.00	$1,950.00	$2,534.00
Out of State	$1,206.00	$2,448.00	$2,900.00
Supplemental Plan to Medicare	$597.00	$1,322.00	$1,791.00

The Insurance & Benefits Trust of PORAC remains dedicated to supporting its members and their families. With a team of dedicated professionals whose sole focus is to ensure that members receive top-tier care and service, IBT is committed to providing comprehensive insurance coverage for those it serves. Any questions regarding coverage or enrollment can be directed to an IBT Insurance Services Representative at (800) 655-6397, Option 1 for Health Plan Members.

The Police and Fire Health Plan is proud to serve over 25,000 Safety members and their families, offering one of the most comprehensive health plans available in the CalPERS system. If you’re eligible or wish to make changes to your coverage, you’re encouraged to contact your Human Resources Department or CalPERS if you’re retired and make the switch to the IBT’s Police and Fire Health Plan.

In conclusion, while the healthcare industry continues to face rising costs, the 2026 rates for the Police and Fire Health Plan are designed to remain lower than those of many other plans. With the strength of the Plan’s reserves, members can feel confident that their coverage will continue to meet their needs both now and in the future.

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Featured in the September 2024 issue of PORAC Law Enforcement News.

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 unique health risks. The Insurance and Benefits Trust (IBT) of the Police Officers Research Association of California (PORAC) offers an exceptional health care plan tailored for both active and retired PORAC members. Partnering with Anthem Blue Cross, this health plan aims to provide comprehensive coverage for all your medical needs.

As the 2026 CalPERS Open Enrollment period approaches, it’s an ideal time to review the Police & Fire Health Plan to ensure you’re making the best decision for you and your family’s health care needs.

The Police & Fire Health Plan, sponsored by PORAC, offers a range of benefits that make it an excellent choice for active and retired members. Here are some of the highlights:

Extensive Network Access: Members enjoy access to a vast network of qualified doctors across the United States. This nationwide coverage ensures that whether you’re at home or traveling, you’ll have access to high-quality care when you need it most. When traveling or on vacation, the plan includes non-emergency coverage, so you’re never left without support, no matter where you are. You’ll also have access to LiveHealth Online, enabling remote consultations with doctors for just a $10 copay.

Affordable Care: One of the most appealing features of the Police & Fire Health Plan is its low deductible. Members benefit from a $10 copay for primary care visits and a $35 copay for specialist visits. Additionally, preventative care services come at no cost, which can help you maintain your health and catch issues early, before they become more serious.

Out-of-Pocket Maximums: The plan also includes a maximum out-of-pocket expense of $2,000 per person and $4,000 per family. This means that once you reach these amounts, your plan will cover the rest of your eligible medical expenses, providing you with peace of mind and financial security in times of need.

Easy Access and Management: Managing your health care has never been easier. As a member of the Police & Fire Health Plan, you gain online access to your account through the I-Site portal. This platform allows you to track claims, view processed claims and explanations of benefits (EOBs), and check the enrollment status for yourself and your dependents.

Additional Coverage and Benefits of the Police & Fire Health Plan: The Police & Fire Health Plan goes beyond standard coverage, offering several valuable perks to support your health and well-being. Members can receive a full-body scan every three years, helping detect potential health concerns early. For those managing chronic conditions, the plan provides specialized programs to ensure continuous care and support. Additionally, the plan offers coverage for out-of-state care and includes a Medicare Supplement Plan for eligible retirees, ensuring comprehensive healthcare even in retirement. With these additional benefits, the Police & Fire Health Plan is designed to keep you covered, healthy, and supported at every stage of life.

Looking Ahead: What’s Next?

The 2026 CalPERS Open Enrollment is right around the corner, and it’s important to stay informed about the latest updates. The open enrollment period will run from September 15, 2025 to October 10, 2025 — mark your calendars!

The Board of Trustees will be meeting soon to establish the rates for the 2026 coverage year, and further information on rates and plan details will be shared in upcoming issues.

At the IBT, our goal is to provide high-quality, accessible health care for our members, now and in the future. Whether you’re an active member or retired, we’re here to support your health care needs every step of the way. If you have questions regarding the Police & Fire Health Plan you can contact the IBT by phone at (800) 655-6397 and select Option 1 for Health Plan Members, and Option 1 again for Enrollment/Eligibility. You can also visit Health Plan page to learn more.

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Featured in the August 2025 issue of PORAC Law Enforcement News.

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 members is the supplemental insurance coverage provided by the Insurance & Benefits Trust of PORAC (IBT), administered by Aflac. These plans are designed to offer financial support when the unexpected happens, giving you the peace of mind that you won’t face medical emergencies alone — financially speaking.

What is Supplemental Insurance?

While your primary health insurance policy covers many aspects of medical care, there are still gaps that can lead to out-of-pocket expenses. Supplemental insurance helps cover those costs that aren’t typically included in your standard health insurance plan, such as copayments, deductibles, and various treatments for illness or injury. These plans are an important safety net, helping to protect your finances when you need it most.

Aflac’s Supplemental Insurance Plans for PORAC Members

Aflac offers a variety of supplemental insurance plans to participating PORAC members, designed to assist with the financial burdens of a medical emergency. Let’s take a closer look at the different coverage options available.

Accident Advantage

Accidents happen when you least expect them, and when they do, the cost of treatment can quickly add up. Aflac’s Accident Advantage plan is designed to cover expenses that your primary insurance may not fully pay for. Whether it’s emergency care, hospital stays, physical therapy, or follow-up visits, Accident Advantage can help ensure that the financial strain doesn’t add to the stress of recovery. If you’re away from home when an accident occurs, the plan can even assist with transportation and lodging costs.

Critical Care Protection

Facing a serious health event like a heart attack or stroke can be overwhelming, and the financial challenges of treatment shouldn’t add to the stress. Aflac’s Critical Care Protection plan provides financial assistance for expenses related to hospitalization and recovery, helping you stay focused on recuperating. Subscribers receive a lump sum benefit upon diagnosis of a covered event, with additional benefits available for things like ICU confinement for newborns, ambulance services, transportation, lodging, and rehabilitation therapies.

Cancer Protection Assurance

According to the American Cancer Society, 1 in 2 men and 1 in 3 women will be diagnosed with cancer in their lifetime.² A cancer diagnosis can be devastating, both emotionally and financially. While your primary health insurance may cover many treatment costs, there are often out-of-pocket expenses, including co-pays, deductibles, and expenses for experimental treatments. Aflac’s Cancer Protection Assurance plan offers cash benefits to help with these uncovered expenses, before, during, and after treatment.

Hospital Choice Plan

The Hospital Advantage Plan provides cash benefits for hospital confinement, regardless of any other insurance coverage you may have. This customizable indemnity insurance policy is perfect for individuals and families who want to ensure they are financially protected during a hospital stay. It can be tailored to meet your specific needs and is fully compatible with other Aflac plans, ensuring comprehensive coverage.

Peace of Mind When You Need It Most

Medical emergencies are unpredictable, and the financial implications can be just as surprising. Aflac’s supplemental insurance plans for PORAC members are designed to ease the financial burden, ensuring you have the support you need when it matters most. Whether it’s covering accident-related expenses, aiding recovery after a critical illness, or protecting against the financial impact of cancer treatment, these plans offer peace of mind so that you can focus on healing.

If you’re a PORAC member, consider exploring the supplemental insurance options available to you through Aflac. Protecting your health and your finances goes hand in hand, and these plans provide valuable coverage when you need it most.

To learn more you can visit the IBT’s supplemental coverage page or call (858) 344-4331 to find your local AFLAC for PORAC agent.

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Featured in the July 2025 issue of PORAC Law Enforcement News.

<sup>1. Retrieved from Consumer Finance Protection Bureau, consumerfinance.gov ↩
2. Retrieved from American Cancer Society, cancer.org ↩</sup>

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 also focus on making sure the families of those officers are cared for.

Our law enforcement unions were originally formed as benevolent organizations designed to take care of our widowed families. Although our missions have evolved over the years to include negotiating benefits and delving into the political fray, we should never lose focus of our original mission of taking care of our members and their families. PORAC maintains this focus through its various trusts, which are designed to provide assistance to our members. The motto “cops working for cops” also included working for our families.

The Insurance and Benefits Trust of PORAC is committed to the mission by taking are of our members and their families. It’s our goal to provide the best benefits possible. Whether it’s through our medical plans, disability plans or life insurance, we are here to provide peace of mind that you and your family are taken care of. The trust is governed by eight elected trustees, who are active law enforcement officers from the PORAC regions.

One of the areas we serve our members is disability insurance. It’s often misunderstood and sometimes overlooked. I wanted to give a brief explanation of how to apply and what to expect in the process.

How to Submit a Claim

Submitting a claim with the IBT is straightforward, and there are several ways you can obtain the necessary claim submission packet:

• Contact your association’s HR department
• Call the IBT at (800) 655-6397 and select Option 2 for Disability
• Email the IBT at lifeanddisability@ibtofporac.org
• Email Damon Kurtz, Association Retention & Recruitment Manager, at dkurtz@ibtofporac.org

Once you’ve received the claim submission packet, it’s important to carefully review all of the requested items. In February 1960, The Folsom Police Department became the very first agency to enter into the POST program! This will ensure that you understand what information is needed to move the process forward. This is usually the most frustrating part as there are several required documents. The IBT is regulated by the state and documentation cannot be avoided.

What Happens After You Submit Your Claim?

Once your claim documents have been submitted to the IBT, you will be contacted by our Disability Administrative Assistant, who will inform you about your assigned Disability Analyst and the next steps in the process. These include:

• Acknowledgment: Within 10 days of receiving your completed claim forms, you will receive an acknowledgment letter from your assigned Disability Analyst confirming receipt of your claim.
• Claim Review: Your assigned Disability Analyst will thoroughly review the information you’ve submitted. Depending on the complexity of your claim and the timeliness of any additional requested documentation (especially if a Workers’ Compensation claim is involved), this review period may vary.
• Decision Notification: Once the review is complete, your Disability Analyst will notify you about the outcome of your claim. If your claim is approved, you will receive a letter detailing your benefit payments. If further information is required, or if your claim is denied, you will be provided with the necessary instructions and information to provide additional documentation or submit an appeal.

To help address common questions, we’ve compiled some of the most frequently asked questions regarding disability coverage on our website’s STD & LTD Facts and Questions page.

Associations can also reach out to me attend your association’s next board/membership meeting. This provides the opportunity for an in-person Q&A session regarding the STD and LTD offerings.

Damon Kurtz

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Featured in the June 2025 issue of PORAC Law Enforcement News.

Why PORAC Has Continually Trusted California Casualty Since 1969.

When disaster strikes, our members need an insurance partner that stands by them every step of the way. In the wake of the devastating Southern California wildfires, California Casualty’s swift and compassionate response reaffirmed its commitment to those who dedicate their lives to serving others.

A Crisis That Tested Resilience

The January wildfires tore through Southern California, leaving thousands of families displaced and communities forever changed. Law enforcement officers, firefighters, educators, and healthcare professionals—many of whom were both responders and victims—found themselves in urgent need of support.

While the destruction was immense, California Casualty strived to exceed expectations of its policyholders and the California Department of Insurance (CDI), ensuring fast, fair, and compassionate claims handling.

Immediate Action & Unwavering Support

From the first moments of the Palisades Fire, California Casualty proactively reached out to impacted customers, offering guidance, reassurance, and emergency assistance. Customers were met with more than just policy expertise—they were met with genuine care.

How California Casualty Delivered in the Aftermath

• Proactive Outreach: Personal calls to hundreds of policyholders, ensuring they had the support and resources they needed.
• Fast Claims Processing: 241 auto and home claims handled with urgency, with 44% already closed as of March 8, 2025.
• Immediate Financial Assistance: Over $40.6 million already paid to help families rebuild their lives.
• No-Hassle Payments: Accelerated initial contents payments so customers could immediately replace essential daily items.
• Comprehensive Support: Assistance with temporary housing, smoke remediation, structural repairs, and quick payments to expedite a new home purchase when rebuilding wasn’t an option.

Going Beyond Insurance — A Commitment to Community

California Casualty’s dedication went far beyond claims. They actively contributed to wildfire relief efforts by supporting essential local organizations like the POREF Wildfire Fund as well as countless others.

Additionally, California Casualty field representatives personally delivered relief supplies, provided preparedness guides at community events, and ensured that those on the front lines received the support they needed.

People Over Policies

Our members deserve an insurance provider that prioritizes the satisfaction of its policyholders—one that responds with urgency, compassion, and solutions.

California Casualty has proven time and again that they are more than just an insurer. They are a trusted partner who stands by those who serve, ensuring that in moments of crisis, no one is left to navigate recovery alone.

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Featured in the May 2025 issue of PORAC Law Enforcement News.

The Insurance and Benefits Trust of PORAC (IBT) offers comprehensive HMO and PPO dental coverage through Delta Dental to our retired members. Dental health is crucial to your overall well-being. Healthy teeth and gums are vital not only for maintaining a beautiful smile but also for ensuring overall health. Poor dental hygiene can lead to a host of issues that go beyond toothaches or cavities. These problems can contribute to more serious health concerns such as heart disease, diabetes, and respiratory issues. Therefore, prioritizing dental health is essential for a long, healthy life.

Steps you can take to maintain your dental health include:

1. Brushing your teeth daily. Brushing daily helps to remove plaque buildup, which can cause tooth decay. It is recommended you use a toothpaste with fluoride, a mineral that helps prevent cavities by strengthening your enamel, the hard outer casing of your teeth.
2. Floss your teeth daily. Flossing is a great way to reach the hard to get to crevices between your teeth to remove plaque and food particles. ¹
3. Schedule regular dental cleanings. The IBT offerings of HMO and PPO plans through Delta Dental offer you the opportunity to see qualified dentists throughout the United States.

The IBT has partnered with Delta Dental for many years, offering a broad network of in-network dentists. The Delta Dental plan covers a range of benefits designed to address both routine and more complex dental care needs to ensure members have the support they need for long-term dental health.

Below is a brief comparison of some of the features under the Delta Dental PPO and HMO plans:

Plan Feature	Delta Dental PPO	DeltaCare USA
Can I go to any dentist?	You can visit any licensed dentist to receive coverage, but you’ll save the most at an in-network dentist.	You can visit any dentist from the DeltaCare USA network of certified dentists and dental offices.
What procedures are covered?	Wide range of covered services with no exclusions for most pre-existing conditions. Preventative care is offered at low or no cost.	Plan covers hundreds of procedures with low or no cost on most preventative care. No annual limit on the amount the plan pays.
What if I need to see a specialist?	You do not need a referral from your dentist.	Your dentist will refer you to an in-network specialist.
Are there deductibles and maximums?	Deductibles and annual maximums apply.	No annual deductible or annual maximums apply.

If you are interested in the Delta Dental plans, you can contact an IBT Insurance Service Representatives by calling our office at (800) 655-6397, and selecting Option 1 for Health Plan Members, and Option 1 again for Enrollment/Eligibility. You can also visit the IBT’s Dental page to learn more.

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Featured in the April 2025 issue of PORAC Law Enforcement News.

^{1. Retrieved from the National Institute of Dental and Craniofacial Research, nidcr.nih.gov ↩}

It’s important that you periodically review your insurances to ensure you and your family’s needs are being met and protected. One often overlooked insurance is life insurance. Life insurance is designed to offer you peace of mind that your loved ones will be financially safeguarded should something happen to you. Life insurance provides a payout, commonly referred to as a death benefit, to beneficiaries upon the policyholder’s death.

The death benefit can cover a multitude of expenses, including funeral costs, debts, mortgages, and daily living expenses. The burden of these expenses could fall solely on the surviving family members if there’s no life insurance policy in place. The cost of these expenses could potentially put your loved ones in a difficult financial situation.

The Insurance and Benefits Trust of PORAC (IBT) has partnered with MetLife to provide Supplemental Term Life insurance as well as Accidental Death insurance. These coverages can help alleviate any financials strain your family may face as a result of your untimely passing.

Supplemental Term Life Insurance

While the MetLife plan allows for purchasing additional term life insurance that works in conjuncture with your employer-provided coverage, it offers many additional benefits. The supplemental term life plan, at no extra cost, provides the following:

1. Will Preparation You and your family have access to MetLife Legal plan attorneys to prepare/update a will, living will or power of attorney.
2. Estate Resolution Services You and your family have access to participating MetLife Legal plan attorneys to settle your estate.
3. Grief Counseling Provides up to five counseling sessions with a licensed grief counselor.

Accidental Death Insurance

You may consider adding accidental death coverage to your life plan. Accidental death coverage works in addition to your life plan by covering you 24/7, 365 days a year. Accidental death insurance cover loss of life in the event of a fatal accident.

Life and accidental death insurances offer critical financial protection to your family and helps to ensure their future is secure, regardless of life’s uncertainties. Knowing that family members will be taken care of financially in the event of an unexpected death can reduce stress and anxiety about the future. Life insurance helps people focus on enjoying life in the present without worrying about the financial burdens their loved ones might face in the future.

To learn more about the IBT sponsored life and accidental death insurance please call Damon Kurtz, Association Retention and Recruitment Manager, at (559) 978-8065 or reach out to him via email at dkurtz@ibtofporac.org. You can also learn more by vising the IBT’s Disability, Life and AD&D page.

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Featured in the March 2025 issue of PORAC Law Enforcement News.

The Insurance and Benefits Trust of PORAC (IBT) offers comprehensive vision coverage through VSP for retired members and active employees whose Association have opted into the IBT sponsored vision plan. Vision health is essential for maintaining a high quality of life. Your vision directly impacts all your daily activities such as reading, driving, and interacting with the world around you. The ability to see clearly is often taken for granted, yet your eyes are constantly exposed to stressors that can impact their function over time. As you age or face environmental factors, maintaining good vision health becomes an increasingly important aspect of your overall well-being.

Most people don’t often think of their eyes when it comes to taking care of their health. But according to the CDC, approximately 12 million people over 40 have some kind of vision impairment in the US and this number is predicted to more than double by 2050.¹ With such a significant increase on the horizon, it’s crucial to take proactive steps to care for your eyes and preserve your vision.

The IBT sponsored VSP plan makes it easier to prioritize your eye health by providing access to a yearly WellVision Exam. Regular eye exams are not only important for checking for vision changes but can also help detect underlying health conditions. Conditions such as diabetes and high blood pressure can begin to affect the eyes in their early stages.² Annual exams through the VSP plan can help identify these issues early, allowing for timely intervention and treatment. The plan also covers essential medical eye care, such as exams and services to monitor ongoing conditions like diabetic eye disease, glaucoma, and other serious eye health concerns.

VSP has been a trusted partner of the IBT for many years, offering a broad network of in-network optometrists and services. The VSP plan covers a range of benefits designed to address both routine and more complex eye care needs to ensure members have the support they need for long-term vision health.

Below is a brief summary of some of the more common benefits covered under the VSP Plan:

If you are interested in the VSP vision plan, you can contact the IBT at (800) 655-6397 to speak with one of our Insurance Service Representatives. You can also visit the IBT’s Vision page to learn more about the additional benefits offered through VSP to participating plan members.

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Featured in the February 2025 issue of PORAC Law Enforcement News.

<sup>1. Retrieved fromthe Centers for Disease Control and Prevention, cdc.gov ↩
2. Retrieved fromthe Centers for Disease Control and Prevention, cdc.gov ↩</sup>