Eligibility
Who can apply?
First responders retiring on or after January 1, 2026.
Diagnosis Window
Within 3 years
HB4144 addresses covered diagnoses that occur not later than the third anniversary of the retirement date.
Payment
Direct cash benefit
The plan pays a lump-sum Initial Benefit upon the first verified diagnosis of a Covered Condition.
Plan Details
Critical Illness Insurance Benefits
Your plan pays a lump-sum Initial Benefit upon the first verified diagnosis of a Covered Condition. The maximum amount available is your annual salary at the time of retirement, up to a maximum of $100,000.
| Covered Condition | Category | Initial Benefit | Recurrence Benefit |
|---|---|---|---|
| Cancer originating at the stomach, colon, rectum, skin, prostate, testis, or brain | Cancer | 100% of Benefit Amount | None |
| Non-Hodgkin's lymphoma | Cancer | 100% of Benefit Amount | None |
| Multiple myeloma | Cancer | 100% of Benefit Amount | None |
| Malignant melanoma | Cancer | 100% of Benefit Amount | None |
| Renal cell carcinoma | Cancer | 100% of Benefit Amount | None |
| Heart Attack | Myocardial Infarction | 100% of Benefit Amount | None |
| Stroke | Stroke | 100% of Benefit Amount | None |
Important Notes
- •No recurrence benefit. Only one claim is payable for each listed covered condition.
- •Unlimited total benefit amount, subject to the issued certificate terms.
- •No pre-existing condition limitation.
- •No benefit reduction due to age schedule included.
- •No Initial Benefit Separation Period.
Coverage Option
Eligible Individual
First Responders retiring on or after January 1, 2026
Benefit Amount
Up to 100% of salary at retirement to a maximum of $100,000
Requirement
Coverage is guaranteed provided you are a retiring first responder on or after January 1, 2026.
FAQ
Employee Questions, Clear Answers
Important: This page is informational only. Final eligibility and benefits are subject to the issued insurance certificate, applicable law, and insurance carrier's review.
HB4144 relates to supplemental benefits for certain retired firefighters and peace officers diagnosed with covered diseases or illnesses. The benefit may be provided as a critical illness supplemental income benefit or comparable health benefit plan coverage.
Retired first responders, specifically police officers and firefighters. HB4144 applies to firefighters and peace officers retiring on or after January 1, 2026.
Covered conditions include specified cancers, Non-Hodgkin's lymphoma, multiple myeloma, malignant melanoma, renal cell carcinoma, heart attack, and stroke. The plan pays 100% of the benefit amount for the listed covered conditions.
The benefit amount is up to 100% of your salary at the time of retirement, with a maximum of $100,000.
No. The plan details state there is no recurrence benefit, and only one claim is payable for each listed covered condition.
There is no pre-existing condition limitation.
For more information regarding the HB4144 benefit plan, contact (855) 687-9887 extension 1.