High priority

Catastrophic-Injury Health Insurance

Last reviewed: June 2026

Who this is for: A first responder catastrophically injured on the job, plus their spouse and dependent children.

What this is

The employer pays the full health-insurance premium for a catastrophically injured responder, their spouse, and dependent children (to age 25).

Employer pays the full health-insurance premium for a catastrophically injured responder + spouse + dependents.

What to do next

Contact your employer HR to enroll the injured responder and dependents in the employer-paid health-insurance benefit.

Not sure if this applies to you?

Answer a few quick questions and we’ll show you every benefit you may be eligible for.

The law behind this

Statute / authority: §112.19/.191