Idaho Department of Insurance Director Dean Cameron said all options are on the table to address the deficit of the depleted Idaho School Benefit Trust — including taking over management, placing the trust under rehabilitation or winding it down. The Idaho School Benefit Trust earlier this month informed its 108 members — school districts, charter schools and other education-related organizations — that it had exhausted its reserves after paying “extremely high” medical claims. The Idaho Department of Insurance exists to protect consumers by regulating the insurance industry. That oversight includes the Idaho School Benefit Trust. “I can tell you there is a shortfall, as Ms. Hainke indicated in her message (to members),” Fletcher said.