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    Your Tax-Free RMT

    The PORAC RMT is a funding vehicle that helps members pay for medical expenses during retirement. What makes us unique?
    Tax-Free Contributions | Tax-Free Earnings | Tax-Free Benefits

  • splash9

    Your Tax-Free RMT

    The PORAC RMT is a funding vehicle that helps members pay for medical expenses during retirement. What makes us unique?
    Tax-Free Contributions | Tax-Free Earnings | Tax-Free Benefits

  • splash2

    Your Tax-Free RMT

    The PORAC RMT is a funding vehicle that helps members pay for medical expenses during retirement. What makes us unique?
    Tax-Free Contributions | Tax-Free Earnings | Tax-Free Benefits

A Guide to the Retiree Medical Trust

What is the RMT?

What is the RMT?The PORAC Retiree Medical Trust is a funding vehicle in which you can deposit money while you are working to pay for medical expenses after you retire.

Covered Expenses

The Trust provides reimbursement benefits toward the cost of the following for eligible retirees:

  • Medical expenses for prevention, diagnosis and treatment, including prescription drugs and insulin
  • Covered ExpensesHealth, dental or vision insurance premiums and payments
  • Long-term care insurance premiums

How it Works

  • Pre-tax employer and/or employee contributions are made through regular payroll transfers and/or lump-sum transfers of sick and vacation leave.
  • The Trust uses investment professionals to invest your contributions, and there is no tax on the earnings.
  • Once you retire, the Trust functions as a medical premium and expense reimbursement plan, and the benefits are totally tax-free.
  • How it WorksThe Trust is similar in many ways to your retirement plan; the longer you work, the greater your benefit will be.

How to Join

  • Any California PORAC member association may choose to join the Trust as a bargaining unit (through collective bargaining). No individual employee can join the trust.
  • How to JoinUnions and employers must negotiate a set contribution rate.
  • As of January 2021, Police and Fire associations in all states are eligible to participate.

Eligibility

Eligibility for monthly benefits is determined by:

  • EligibilityEarning five years of active service (10 years for employees hired after their association joined the Trust)
  • Having contributions made to the Trust on your behalf for all years of active service
  • Attaining age 55
  • Ceasing employment with any participating group in the Plan

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PORAC RMT Member's Area

PORAC RMT Members Area

Log in to your Plan account through the third-party administrator site.

Member Login

Need More Information? Contact Us PORAC RMT Retiree Medical Trust Peace Officers Research Association of California (877) 808-5994

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Contact

Phone: (877) 808-5994
Fax: (866) 676-1530
Email: PORAC@vimly.com

Mail Claims To

PORAC Retiree Medical Trust
c/o Vimly Benefit Solutions
P.O. Box 6
Mukilteo, WA 98275

Quick Links

  • Enrollment Application
  • Direct Deposit Form
  • Claim Form
  • Portfolio Selection Form

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