Insurance and Benefits Trust

What Insurance and Benefits Trust does

The Insurance and Benefits Trust of PORAC (IBT) is a Sacramento-based member benefit trust, established as a committee of the Peace Officers Research Association of California (PORAC), that procures and administers a bundled insurance portfolio for approximately 26,000+ active and retired California peace officers and their families across 192+ member associations. Its core product is the Police & Fire Health Plan, a major medical PPO delivered through CalPERS and Anthem Blue Cross, with $10 primary care copays, $35 specialist copays, and nationwide network access including LiveHealth Online telemedicine. Surrounding products include Delta Dental (PPO and HMO), VSP vision with TruHearing discounts, MetLife group term life and AD&D, group short- and long-term disability (now administered in-house since January 2025), AFLAC supplemental accident/cancer/critical care/hospital plans, and California Casualty auto, home and renters insurance with law-enforcement-specific riders such as the Fallen Officer Survivor Benefit.

Underlying technology is built almost entirely on carrier and association-partner infrastructure rather than proprietary platforms: CalPERS network access, Anthem Blue Cross claims administration under a Joint Administrative Arrangement, CarelonRx pharmacy benefits with Sydney Health app home delivery, and a third-party I-SITE member portal hosted at issisystems.com for enrollment and claims visibility. The trust is governed by an eight-member elected Board of Trustees drawn from PORAC regions and retired associate membership, with operating staff expanded in 2025 across Health, Disability and Accounting to support in-housed administration following the end of a 33-year external relationship with Myers-Stevens & Toohey.

Revenue mechanics are subscription/recurring: members and associations pay monthly premiums tiered by coverage level and California region (e.g., 2026 Region 1 Employee $1,063, Family $3,027), with dental, vision and disability priced as separate add-ons. Health plan premiums largely pass through to carriers, and the trust retains administrative fees and plan-level net assets ($6.66M Safety Plan, $820K Non-Safety as of December 31, 2023). The go-to-market is sales-led and association-driven — in-person briefings at association meetings and direct phone-based enrollment through dedicated Insurance Services Representatives — supplemented by carrier self-service portals and the PORAC Law Enforcement News magazine. The customer base is entirely concentrated within California law enforcement, anchored by active safety members, Retired Associate Members (RAM), and the associations that aggregate demand.

Name

Insurance and Benefits Trust

Legal name

Insurance and Benefits Trust of the Peace Officers Research Association of California

Website

https://ibtofporac.org

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

11–50 employees

Short description

The Insurance and Benefits Trust of PORAC is a Sacramento-based member benefit trust that procures and administers bundled health, dental, vision, disability, life, auto/home, and supplemental insurance for approximately 26,000+ active and retired California peace officers across 190+ PORAC-affiliated associations.

Ownership category

akta.pro rank

Product category

Law Enforcement Group Insurance Benefits

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Health and Welfare Funds (52512), Direct Health and Medical Insurance Carriers (524114)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Life Insurance (6311), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Group AD&D Insurance (Employer-Sponsored) (FSAIALAA)

Keywords

• Group health insurance
• Law enforcement benefits
• Disability insurance plans
• Dental vision coverage
• Auto home insurance

Headquarters

HQ city

Sacramento

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Health Insurance Premiums: The IBT collects premiums from member associations and individual members for the Police & Fire Health Plan offered through CalPERS/Anthem Blue Cross. Active employees and retirees pay tiered rates based on coverage level (Employee Only, Employee+1 Dependent, Employee+2+ Dependents) and geographic region.
2. Dental and Vision Premiums: Delta Dental and VSP vision coverage premiums collected from retired members and active employees whose associations have opted into these plans. Rates vary by plan type (PPO vs HMO) and coverage tier.
3. Disability Insurance Premiums: Short-term and long-term disability plan premiums collected from member associations. The IBT brought disability administration in-house effective January 2025, previously administered through Myers-Stevens & Toohey.
4. Auto and Home Insurance Referrals: California Casualty provides auto, home, and renters insurance to PORAC members. While the IBT does not directly collect premiums, they facilitate access to these member-only benefit programs.
5. Supplemental Insurance Administration: AFLAC supplemental plans (Accident Advantage, Cancer Care, Hospital Advantage, Critical Care Protection) are administered through the IBT for participating members, with premiums collected to offset medical costs.
6. Life and AD&D Premiums: Group term life insurance and accidental death and dismemberment coverage provided through MetLife partnerships, with premiums collected from member associations.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels5 records

Core offering

The Insurance and Benefits Trust of PORAC is a member-run benefit trust that provides group and individual insurance plans to California peace officers and their families. Its core product is the Police & Fire Health Plan, a major medical PPO offered through CalPERS and Anthem Blue Cross, supplemented by dental, vision, disability, life/AD&D, auto/home, and supplemental insurance plans delivered through carrier partnerships.

Product overview

Insurance and Benefits Trust of PORAC offers a comprehensive portfolio of insurance products designed by peace officers for peace officers. The core offering is the Police & Fire Health Plan, a major medical PPO administered through CalPERS and Anthem Blue Cross. Supporting this are dental plans (Delta Dental PPO/HMO) and vision coverage (VSP), both available primarily to retired members. The organization provides disability insurance (short-term and long-term) and life/AD&D coverage through MetLife, offering up to 70% salary replacement and $65,000 accidental death benefits. Auto and home insurance is offered via California Casualty with law enforcement-specific benefits including Fallen Officer Survivor Benefit. Supplemental coverage through Aflac includes accident, cancer, critical care, and hospital plans. A Medicare Supplement Plan with integrated Part D prescription coverage is available for retirees. Members access plan management through the I-SITE online portal.

Differentiator

Problem solved

Functional benefit

Brands

• Police & Fire Health Plan: Major medical insurance plan for PORAC members through Anthem Blue Cross/CalPERS
• Delta Dental Plans
• VSP Vision Care

Products and services

• Police & Fire Health Plan Major medical PPO health insurance plan sponsored through CalPERS and Anthem Blue Cross, providing comprehensive 80/20 cost-sharing coverage with $10 primary care copays, $35 specialist copays, $2,000/$4,000 out-of-pocket maximums, nationwide network access, LiveHealth Online telemedicine, and full-body scans every three years. Available to active and retired California peace officers who are PORAC members working for CalPERS-participating employers.
• Delta Dental Plans (PPO and HMO) Dental insurance through Delta Dental, offering PPO plans with flexible in-network/out-of-network coverage and HMO plans (DeltaCare USA) with structured predictable costs and no annual maximums. Primarily available to retired PORAC members and active employees whose associations have opted in.
• VSP Vision Care Vision insurance through VSP providing yearly WellVision Exams, coverage for frames and lenses, access to a broad in-network optometrist network, and TruHearing discounts up to 60% on hearing aids. Available to active employees and Retired Associate Members.
• Group Short Term / Long Term Disability Plans Short-term and long-term disability insurance providing up to 66 2/3% to 70% of salary replacement (maximum $10,000/month) for safety and non-safety members, covering members on and off duty 24/7. Administration brought in-house in January 2025 after 33 years with Myers-Stevens & Toohey.
• Group Life Insurance and AD&D Supplemental term life insurance and accidental death and dismemberment coverage provided through MetLife, with up to $65,000 in accidental death benefits, will preparation, estate resolution services, and grief counseling for PORAC members.
• California Casualty Auto & Home/Renters Insurance Auto, home, motorcycle, and renters insurance tailored for law enforcement professionals, with unique coverages including Fallen Officer Survivor Benefit (premium waiver for surviving spouse), firearm theft coverage up to $5,000, uniform coverage, pet injury protection, identity theft resolution, and reduced deductibles. Offered since 1969 through California Casualty with a 93% PORAC member retention rate.
• AFLAC Supplemental Plans Supplemental insurance plans through AFLAC including Accident Advantage, Cancer Protection Assurance, Critical Care Protection, and Hospital Choice, providing cash benefits directly to members to offset out-of-pocket medical costs. AFLAC has served PORAC members since 1977.
• Medicare Supplement Plan with Part D Medicare Supplement coverage offered to PORAC members age 65+ and those under 65 with Medicare due to disability, including prescription drug coverage (Medicare Part D) through Anthem Blue Cross Senior Prescription Plan with 65,000 network pharmacies plus mail order via CarelonRx and the Sydney Health app.

Quantifiable outcome

• Police & Fire Health Plan rates remain lower than some HMO plans while providing 80/20 PPO coverage with lower deductibles
• +4 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered flagship and core.

• California CasualtyflagshipChannel Partner/ Reseller/ Distributor · 1 January 1969California Casualty has been providing auto, home, and renters insurance to PORAC members since 1969. The partnership offers member-only rates and specialized coverages for law enforcement professionals including Fallen Officer Survivor Benefit (premium waiver for surviving spouse), firearm theft coverage, uniform coverage, pet injury protection, and free identity theft resolution services. California Casualty maintains a 93% retention rate among PORAC members.
• Anthem Blue CrosscoreTechnology or IntegrationAnthem Blue Cross administers the Police & Fire Health Plan through CalPERS, providing major medical PPO coverage with 80/20 cost-sharing. The plan offers $10 primary care copays, $35 specialist copays, $2,000/$4,000 out-of-pocket maximums, and access to LiveHealth Online telemedicine.
• Delta DentalcoreTechnology or IntegrationDelta Dental provides dental insurance to IBT members through PPO and HMO (DeltaCare USA) plans. Retired Associate Members can choose between plan types, with PPO offering broad network access and HMO providing structured, predictable costs.
• VSP Vision CarecoreTechnology or IntegrationVSP provides vision insurance to active employees and Retired Associate Members. Coverage includes yearly WellVision Exams, frames, lenses, and access to TruHearing for hearing aid discounts up to 60%.
• MetLifecoreTechnology or IntegrationMetLife provides supplemental term life insurance and administers long-term disability coverage for IBT members. MetLife has over 150 years of experience and provides additional benefits including Will Preparation, Estate Resolution Services, and Grief Counseling.
• CalPERScoreChannel Partner/ Reseller/ DistributorCalPERS (California Public Employees' Retirement System) provides the health plan network through which the Police & Fire Health Plan is offered. Members must work for CalPERS-participating employers to access the plan.
• AFLACcoreChannel Partner/ Reseller/ DistributorAFLAC has been serving PORAC members since 1977, providing supplemental insurance plans including Accident Advantage, Cancer Protection Assurance, Critical Care Protection, and Hospital Choice. Benefits are paid directly to members to cover out-of-pocket costs.

Scale indicators23 records

Recent moves8 records

Expansion highlights4 records

Direct peers

• SISC (Self-Insured Schools of California): A California public-sector joint powers authority administering pooled health and welfare benefits to school district employees. Operates a similar trust/JPA model with shared administration, multiple carrier partnerships, and a defined public-employee membership in California.
• California Casualty: IBT's auto/home insurance partner since 1969 that also serves as a peer — California Casualty provides affinity-based personal lines insurance to educators, firefighters, nurses, and law enforcement. Comparable in the affinity insurance niche and the channel partner business model.
• GEHA (Government Employees Health Association): A nonprofit health and dental benefits provider exclusive to federal employees, retirees, and their families. Closest scale-and-structure analog to IBT — a member trust sponsoring multi-line insurance products (health, dental, vision) through carrier partnerships to a defined government-employee population.
• CCPOA Benefits Trust: California Correctional Peace Officers Association's benefit trust serves a near-identical affinity segment (California peace officers) with a similar multi-line insurance stack. Directly comparable in customer base, regulatory environment, and California geographic concentration.
• FOP (Fraternal Order of Police) State Lodges: State-level FOP lodges offer member benefits including insurance products to law enforcement professionals through chapter-level distribution. Comparable in affinity-based GTM and multi-state structure, though typically less centralized than IBT's Trust model.
• IAFF Financial Corporation: International Association of Fire Fighters' financial services arm provides affinity-based insurance products to a first-responder membership analogous to PORAC's peace officer base. Operates a similar member trust model with bundled health, disability, life, and supplemental coverages.

Broad incumbents

• CalPERS Health Benefits Program: California Public Employees' Retirement System administers the health benefits network through which IBT's Police & Fire Health Plan is delivered. Functions simultaneously as the IBT's primary distribution channel and as a broader incumbent offering competing health plan options to the same public-sector population.
• Anthem Blue Cross: Major health insurance carrier that administers IBT's Police & Fire Health Plan. Operates broadly across the employer and individual health insurance market with far greater scale, but is a key infrastructure provider whose product suite partially overlaps with IBT's offerings.
• AFLAC: Supplemental insurance leader and IBT partner since 1977, providing Accident Advantage, Cancer Care, Critical Care, and Hospital plans to PORAC members. A broad incumbent in the supplemental insurance space with materially larger scale than IBT's AFLAC arrangement.
• MetLife: Provides group life, AD&D, and long-term disability for IBT members. As a global insurance incumbent, MetLife competes directly with the benefits IBT brokers while simultaneously serving as the Trust's carrier partner.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/insurance-and-benefits-trust-of-porac

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Insurance and Benefits Trust