The Oakland Firefighters Health and Welfare Trust is a benefits trust fund established to manage and administer health and welfare benefits for active and retired Oakland firefighters and their eligible dependents. Operating under the International Association of Fire Fighters (IAFF) Local 55, the trust serves members of the Oakland Fire Department in California. The trust functions as a self-funded employee benefit plan, operating in accordance with the Employee Retirement Income Security Act (ERISA) regulations. It is governed by a board of trustees comprising both labor and management representatives who oversee the administration of various benefit programs, including medical, dental, vision, and life insurance coverage. Through its website iaff55.org, the trust provides members access to important benefit information, forms, and resources related to their healthcare coverage. The organization works in conjunction with various healthcare providers and insurance carriers to deliver comprehensive benefits packages to its members. The trust plays a crucial role in ensuring that Oakland’s firefighters and their families have access to quality healthcare benefits, which is essential given the high-risk nature of their profession. As a financial services entity, it manages substantial assets and maintains strict compliance with federal and state regulations governing employee benefit trusts.