Category: Latest News

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 IBT has always been about cops working for cops, and with this shift to bring administrative duties in-house, the IBT is living up to that commitment.

In addition to premium payment collection, the only administrative change for members will be that the IBT is now your point of contact for any inquiries related to applications, member enrollment, updates to your information and benefits. By bringing the direct administration of the above-mentioned plans in house, the IBT will be able to generate long-term cost savings while increasing customer service and responsiveness. We will also be able to provide more direct oversight. We want to ensure this transition is as smooth as possible and to minimize any potential disruptions to your service.

In addition to the changes to disability, life, accidental death and dismemberment, and vision and dental plans the IBT is happy to announce that our health plan team now has more representatives available than ever to assist with your needs.

This is especially important as CalPERS has announced their open enrollment dates. The 2024 CalPERS Open Enrollment period will run from September 16, 2024 to October 11, 2024.

The Board of Trustees will be meeting in the coming months to establish rates for the 2025 coverage year. Please look for more information in the coming issues to stay informed on the 2025 rates.

As always, the IBT thanks PORAC members and its participants for supporting the IBT’s benefits. The IBT will continue its commitment to serving its participants and we look forward to serving you and your family’s insurance needs now and into the future.

If you have any questions or concerns, feel free to reach out to your Region Trustee or the IBT at (800) 655-6397. We are looking forward to working with you!

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

To allow for technical development and to ensure a smooth transition for our members, we will continue to utilize the services of Myers-Stevens & Toohey (MST) through the end of the year.

Dental/Vision premiums should continue to be sent to MST. If you have submitted a Dental/Vision premium to the Insurance & Benefits Trust (IBT) that is acceptable. The IBT is working in partnership with MST and your premium will be accepted and processed.

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 lifetime and Peace Officers may experience periods of disability at a higher rate due to their line of work.

The Insurance and Benefits Trust of PORAC (IBT) offers participating associations access to Group Short and Long Term Disability (STD/LTD) plans. These STD/LTD plans provide the protection you will need by replacing a percentage of your income should you become disabled and unable to work. This gives you the peace of mind needed to continue supporting yourself and your family.

Currently, there are over 23,000 PORAC members from more than 190 participating associations enrolled in the IBT’s disability plans. The STD/LTD plans offered through the IBT have several coverage options available to best suit an association’s specific needs. Each of the group disability plans provide accidental death benefits of up to $65,000, which covers you on and off duty 24/7.

There are two main types of disability coverage – Short Term and Long Term coverage. Both replace a portion of your lost income up to a maximum amount. Short Term Disability (STD) plans typically provide benefits for a few months up to one year as long as you’re unable to perform the duties of your occupation.

Long Term Disability (LTD) plans typically provide benefits until your disability ends or until you reach retirement age. The LTD plan offered through the IBT is administered through MetLife, one of the largest disability insurance providers in the nation. MetLife has been insuring people for over 150 years and has a financial strength rating that is among the highest in the industry.

On behalf of the Insurance and Benefit Trust, we’d like to thank our currently participating associations for their continued confidence and trust in us as your Disability Plan provider. If your association does not currently participate in the Group STD/LTD plans, we would welcome the opportunity to meet and discuss the plans with you.

For questions regarding the STD/LTD plans, call the IBT at (800) 655-6397 or review the Disability Plan Comparison to learn more..

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

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 with a serious illness or accident.

Today we offer PORAC members Accident, Cancer, Critical Care and Hospital. We also offer Short Term Disability when appropriate.

We call AFLAC Accident coverage a no brainer. This plan covers you on or off the job and pays you based on what happens at doctors and hospitals, as well as ambulance, ICU, surgeries, MRIs, and more. Added benefits for organized sporting activities. These benefits are payable if you know when and how you were injured, and you get medical treatment. There is also a once per year, per policy wellness benefit of $60.

Scenario 1: You chase a suspect and tweak your knee; you have a claim. Scenario 2: You are having a fun off-road weekend with your family and crash your bike, you have a claim. Scenario 3: Your kid is playing football, cheerleading, playing T-ball or jumps off the furniture and they get hurt, you have a claim. If you see a doctor for the injury, you have a claim.

The Cancer plan covers all types of cancers, from minor skin cancers to profoundly serious internal cancers. Coverage includes benefits for diagnosis, surgeries, hospitalization, chemotherapy, radiation, immunotherapy and approved experimental treatments. There are over 30 benefits available on this plan. There is also an annual wellness benefit of $75 each year for each family member, when having a cancer screening.

Scenario: You are diagnosed and don’t know how you’re going to manage, because you need to be off work for a time for surgery, hospitalization, chemo, radiation, etc. This plan will continue to pay you when you have ongoing treatment or a reoccurrence down the road.

Critical Care Protection covers specific serious events like heart attacks, strokes, major third-degree burns, comas, paralysis, and more. Some covered events are accidents, others are illnesses. This policy also covers hospitalization for the listed specific events, and ICU for any reason. It includes continuing care to help you get better after an event.

Scenario: ICU is the most used part of this plan, mostly for NICU babies. They are automatically covered when born and for their first 30 days if they are born at least 10 months after the policy goes into force.

Hospital Choice has benefits for emergency room, short stay, surgeries, hospital, and ICU. It also has benefits for physician visits, major diagnostic exams, labs and x-rays, and ambulance.

The AFLAC for PORAC team is here to help you by explaining plans in more detail. We can also help you file claims, from helping gather the documents you need, to getting them uploaded to AFLAC. We can also help with coverage changes, questions about benefits, enrollments, etc. Always call your AFLAC for PORAC team when you need anything regarding AFLAC.

To learn more about AFLAC plans and how they can help you and your family, please visit the IBT’s Supplemental coverage page or call (858) 344-4331 to find your local AFLAC for PORAC agent. Stay safe!

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

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 for generic, brand name and specialty drugs that Medicare covers, plus additional medications beyond what Medicare allows, known as “extra covered drugs”. There are 65,000 network pharmacies, plus a mail order option.

It is important to be proactive and start the process of transitioning to Medicare and Medicare Supplement well before you turn age 65. IBT will reach out to you 60 to 90 days before your 65th birthday to let you know it is time to begin the transition. The process involves the below three steps:

  1. Contact Social Security at (800) 772-1213 to enroll in Medicare or enroll online at SSA.gov
  2. Once you have enrolled in Medicare, provide CalPERS with your completed Certification of Medicare Status by sending it via fax to CalPERS at (800) 959-6545.
  3. Once you have received your Medicare ID cards and have sent proof of your Medicare enrollment to CalPERS, complete the Anthem Blue Cross Senior Prescription Plan enrollment form. There is no additional cost to enroll in the prescription plan as it is included in your Medicare Supplement premium.

In addition to health and pharmacy benefits, our members receive discounts on fitness and wellness products at over 16,000 participating fitness centers nationwide, as well as access to online health and wellness classes. You also have access to savings on certain vision and hearing products.

Insurance Service Representatives are available at (800) 655-6397 to answer any of your questions.

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

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 insurance companies to suspend their customer service or exit the California marketplace entirely. In significant contrast, California Casualty has consistently kept our promise and set ourselves apart by delivering exceptional service and peace officer-specific benefits, even amid the most challenging economic times. Our dedication to serving PORAC members remains resolute, a commitment upheld for over 50 years.

The present state of the auto and home insurance industry in California is influenced by various factors, both historical and ongoing. These encompass the post-pandemic surge in claim frequency and severity, unprecedented wildfires and weather events, inflation driving up costs for replacement, repair, or rebuilding, and supply chain disruptions causing delays in parts and materials, among others.

Compounding these challenges are government regulations and requirements in some states, like California, which prevent insurance carriers to quickly adjust insurance rates as needed. The consequence has been insurance carriers abandoning the California market, leaving many people struggling to secure essential insurance protection, and rates increasing significantly to catch up with years of suppressed costs and today’s higher claims expenses.

As we reiterate our commitment to serving PORAC members, it’s crucial to acknowledge that California Casualty has not been immune to these challenges.

One notable impact has been the downgrade of our AM Best financial rating. Fortunately, the vast majority of our policyholders remain unaffected. A small percentage, primarily those with a home policy underwritten by specific mortgage companies, may need to take action. Additional information can be found here. Rest assured, California Casualty possesses the necessary capital to meet all policyholders’ needs, and we are actively working to enhance our financial rating, ensuring we remain a reliable and stable insurance provider.

A more widespread impact is the increase in the cost of coverage. Despite being a family-owned company not swayed by stock market pressures, California Casualty has found it necessary to adjust rates. Recognizing the unique challenges faced by the public safety community, we diligently work to minimize these costs, maintain affordability, and secure the long-term sustainability of your PORAC auto and home insurance member benefit.

Even in the face of the evolving insurance landscape, PORAC members who are California Casualty policyholders boast an impressive 93%* retention rate, far surpassing the industry average. Program participation remains robust, with over 21,000 vehicles and homes currently in force.

No matter the challenges ahead, California Casualty remains dedicated to serving members with the utmost care and compassion. Our STAR PROMISE™ is to provide protection that is Simple, Trusted, Affordable, and Right for YOU.

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

*As of 11/30/2023 for PORAC members in California

Coverages, benefits, availability, rates and discounts may vary by area, state, or individual rating factors and are subject to underwriting approval. Policies in Arizona, California, Colorado, Idaho, Kansas, Oregon and Wyoming are underwritten by California Casualty; policies in other US states may be available through California Casualty Agency Services. To reach Agency Services, please call (877) 652-2638.

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 risk factors surrounding heart disease and providing information on how to prevent and reduce heart disease.

For both men and women, heart disease is the leading cause of death but it is also a preventable disease. 600,000 Americans die from heart disease every year.1

One of the most common types of heart disease is coronary artery disease – also called coronary heart disease or cardiovascular disease – where plaque, made up of fat, cholesterol, calcium and other substances in the blood, builds up and can lead to atherosclerosis, a thickening and hardening of the arteries.2 Plaque can build up end up causing blockage in the blood vessels, resulting in a heart attack or possible sudden cardiac death.

Law enforcement officers have an even more heightened liklihood of heart disease than the general population, with risk factors that include acute and chronic physical and psychological stress, sleep deprevation due to shift work, increased obesity and more.3 Studies have shown that officers suffer heart attacks at a younger age than their civillian counterparts, and those attacks are much more likely to be fatal.4

Heart disease is common, but it is also a preventable disease. Many organizations, including the American Heart Association, the Centers for Disease Control and Dignity Health all agree that choosing a heart healthy lifestyle is the best decision you can make.

The good news is that there are several small steps you can take to reduce your chance of heart disease:

  1. Exercise regularly and moderately for at least 20 to 30 minutes; if you have heart disease, contact your physician for a safe exercise regimen;
  2. Incorporate a diet that is low in salt, sugar and saturated fats, such as a Mediterranean Diet;
  3. Maintain a body weight that is within the normal range in accordance with organizations like the National Institute of Health and the American Heart Association and be aware of the number of calories in the foods you eat and make needed adjustments to maintain a healthy weight;5
  4. Reduce stress by getting sufficient sleep and learning and practicing relaxation techniques;
  5. Avoid smoking, recreational drug use and drinking alcohol excessively, and,
  6. Know your family health history and review your risk factors with your physician.

Knowing that heart disease remains the nation’s most preventable medical condition, it’s important to adopt a healthy lifestyle and take positive steps to stay healthy and prevent heart disease. A 1% change is better than no change at all.

For more information on a heart-healthy lifestyle, please visit the resources on the Anthem Blue Cross website.

PORAC and the Insurance and Benefits Trust wish you all a happy and healthy New Year and we hope that this information will be both helpful and encouraging!

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

1. Retrieved from Dignity Health, dignityhealth.org ↩
2. Retrieved from The Heart Foundation, theheartfoundation.org ↩
3. Retrieved from Tara A. Hartley, et al., “Health Disparities in Police Officers: Comparisons to the US General Population.” ncbi.mlm.nih.gov ↩
4. Retrieved from John M. Violanti, et al., “Life Expectancy in Police Officers: Comparisons to the US General Population.” ncbi.mlm.nih.gov ↩
5. Retrieved from The National Institutes of Health, nhlbi.nih.gov/ ↩

VSP Vision Care

Whether it be sunglasses, reading glasses or contact lenses, we don’t often think we need to see an eye care specialist if we don’t wear corrective vision lenses. However, as we get older, visits to the eye doctor are important to diagnose early symptoms of vision problems such as chronic dry eye, glaucoma, cataracts or age-related macular degeneration, which can blur your central vision.

If you experience any symptoms, such as itchy, watery or dry eyes, don’t put off seeing your eye care specialist. It’s crucial to see your eye care specialist for these symptoms to prevent permanent injury or rule out chronic vision issues.

The Insurance and Benefits Trust of PORAC provides access to vision insurance coverage through its trusted provider, VSP, to subscribed PORAC members, providing access to routine eye exams, eyewear and well care exams.

Both active and retired PORAC members have access to the IBT’s sponsored VSP coverage.

The VSP coverage is offered as group coverage to individual RAM members and Group Active Associations who are active employees and whose Associations have opted into the IBT sponsored vision plan have access to this VSP coverage.

VSP has been a trusted partner of the IBT for many years and provides access to a wide range of in-network optometrists and services.

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

With so many in-network choices, VSP makes it easy for our members to get the most out of their benefits. You’ll have access to preferred private practice, retail, and online in-network choices.

If you are already enrolled in the IBT’s sponsored VSP insurance plan, using your VSP benefits is easy! Just create an account at VSP.com and view your available benefits, file a claim to request reimbursement and find a network or out-of-network doctor in your area and view other special offers and savings!

For more information on the VSP vision plan sponsored by the Insurance and Benefits Trust of PORAC, call an IBT insurance services representative at (800) 655-6397 or visit our Vision page.

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

2022 Summary Annual Report

for
Insurance and Benefits Trust of the Peace Officers Research
Association of California – Non-Safety Plan

This is a summary of the annual report for the INSURANCE AND BENEFITS TRUST OF THE PEACE OFFICERS RESEARCH ASSOCIATION OF CALIFORNIA NON-SAFETY PLAN, (Employer Identification No 68-6068469, Plan No. 502) for the period beginning January 1, 2022 and ending December 31, 2022.

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 plan has a contract with ReliaStar Life Insurance Company to pay life insurance and AD&D claims incurred under the terms of the plan. The total premiums paid for the plan year ending December 31, 2022 were $100,490.

BASIC FINANCIAL STATEMENT

Plan expenses were $239,998. These expenses included $103,988 in administrative expenses, and $136,010 in benefits paid to participants and beneficiaries.
The value of plan assets, after subtracting liabilities of the plan, was $825,721 as of December 31, 2022, compared to $824,277 as of January 1, 2022. During the plan year the plan experienced an increase in its net assets of $1,444. This increase 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. During the plan year, the plan had total income of $241,442, including employer contributions of $60,232, employee contributions of $256,527, losses from investments of ($92,087), and other income of $16,770.

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 investments;
  4. Transactions in excess of 5% of plan assets;
  5. 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 the Insurance and Benefit Trust of the Peace Officers Research Association of California Non-Safety, 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 Contract 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 Contract 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 at 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, N-1513, Employee Benefit Security Administration, U.S. Department of Labor, 200 Constitution Avenue, N.W., Washington, D.C. 20210.

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

2022 Summary Annual Report

For
Insurance and Benefits Trust of the Peace Officers Research
Association of California – Safety

This is a summary of the annual report for the INSURANCE AND BENEFITS TRUST OF THE PEACE OFFICERS RESEARCH ASSOCIATION OF CALIFORNIA SAFETY PLAN, (Employer Identification No 68-6068469, Plan No. 501) for the period beginning January 1, 2022 and ending December 31, 2022.

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 plan has contracts with Metropolitan Life Insurance Company, Reliance Standard Life Insurance Company, and ReliaStar Life Insurance Company to pay life insurance, long-term disability, and AD&D claims incurred under the terms of the plan. The total premiums paid for the plan year ending December 31, 2022 were $7,001,760.

BASIC FINANCIAL STATEMENT

Benefits under the Trust are provided by the Trust and insurance. Plan expenses were $8,865,666. These expenses included $1,697,001 in administrative expenses, and $7,168,665 in benefits paid to participants and beneficiaries.

The value of plan assets, after subtracting liabilities of the plan, was $6,266,648 as of December 31, 2022, compared to $8,877,203 as of January 1, 2022. During the plan year the plan experienced a decrease in its net assets of $2,610,555. 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. During the plan year, the plan had total income of $6,255,111, including employer contributions of $1,836,576, employee contributions of $5,774,931, losses from investments of ($1,656,888), and other income of $300,492.

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 investments;
  4. Transactions in excess of 5% of the plan assets;
  5. 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 the Insurance and Benefit Trust of the Peace Officers Research Association of California, 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 Contract 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 Contract 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 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, N-1513, Employee Benefit Security Administration, U.S. Department of Labor, 200 Constitution Avenue, N.W., Washington, D.C. 20210.

Featured in the December 2023 issue of PORAC Law Enforcement News.

2021 Summary Annual Report

for
Insurance and Benefits Trust of the Peace Officers Research
Association of California – Non-Safety

This is a summary of the annual report for the Insurance and Benefits Trust of the Peace Officers Research Association of California – Non-Safety, (Employer Identification No 68-6068469, Plan No. 502) for the period beginning January 1, 2021 and ending December 31, 2021.

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 Trust has contracts with ReliaStar Insurance Company for life insurance and AD&D. The total insurance premiums charged to the Trust for the year ended December 31, 2021 were $16,009.

BASIC FINANCIAL STATEMENT

The value of Trust assets, after subtracting liabilities of the Trust, was $827,959 as of December 31, 2021 compared to $787,197 as of January 1, 2021. During the Trust year the Trust experienced an increase in its net assets of $40,762. This increase includes unrealized appreciation or depreciation in the value of Trust assets; that is, the difference between the value of the Trust’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 Trust had total income of $467,712. This income included participant contributions of $312,187, gains on investments of $131,364, and other income of $24,161.

Benefits under the Trust are provided by the trust and insurance. Trust expenses were $426,950. These expenses included $91,757 in operating expenses, $5,143 in investment expenses, $314,041 in benefits paid directly to participants and beneficiaries, and $16,009 in insurance premiums charged by insurance companies.

Benefits and eligibility rules will change from time to time. Be sure to use the most recent Trust booklet and to read any special notices about your coverage. Do not rely on outdated information. If you lost your coverage you may be entitled to continue it by making self payments. Consult your booklet or the Trust office for details.

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. Assets held for investments;
  3. 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 the Board of Trustees, Insurance and Benefit Trust Fund of the Peace Officers Research Association of California, 4010 Truxel Rd, Sacramento, CA 95834. The charge to cover copying costs will be $.25 per page for any part thereof.

You also have the right to receive from the Contract 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 Contract 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, 4010 Truxel Rd, 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, N-1513, Employee Benefit Security Administration, U.S. Department of Labor, 200 Constitution Avenue, N.W., Washington, D.C. 20210.

BOARD OF TRUSTEES

Featured in the November 2023 issue of PORAC Law Enforcement News.