Bill > H463

This bill establishes a supplemental insurance policy for first responders diagnosed with specific mental health conditions, providing comprehensive support for professionals such as law enforcement officers, firefighters, emergency medical technicians, and 911 dispatchers. The plan offers three key benefits: medical cost reimbursement up to $5,000 per year for out-of-pocket expenses related to eligible mental health conditions, a salary benefit of up to 75% of monthly salary or $5,000 per month for first responders requiring medical leave, and a disability benefit for those unable to perform their duties due to a diagnosed mental health condition. Eligible conditions include anxiety, depression, trauma-related disorders, and other mental health issues directly resulting from work-related experiences. To qualify, first responders must be currently employed, diagnosed by a healthcare provider who confirms the condition is work-related, and not simultaneously receiving workers' compensation benefits. The disability benefits are limited to 36 consecutive months, with provisions for reevaluation and potential resumption of benefits if the first responder's condition recurs. The program, to be administered by the Department of Insurance, aims to support first responders' mental health and facilitate their potential return to service, becoming effective on January 1, 2026.

Budget and Finance

https://www.ncleg.gov/BillLookUp/2025/H463