This is a question we get quite often from Minnesota police officers and firefighters because navigating PERA and health care benefits can be quite complex. When you are approved for PERA duty disability benefits under Minnesota Statute § 353.656, subd. 41, you are also entitled to continued health insurance coverage under Minnesota Statute § 299A.465. You remain responsible for your share of your health insurance premium and your employer remains responsible for its share. Even though you are no longer working as a police officer or firefighter, your health insurance provider still considers you an employee of the county or the city. Rest assured, if you had family coverage while employed as a firefighter or a police officer, you still have family coverage afterwards and this benefit lasts until you reach age 65. Although the criteria for receiving health care continuation benefits is arguably identical to the requirements to qualify for duty disability benefits, courts hold that employers do have standing to contest your eligibility for continued health insurance coverage because they have a financial stake in your benefit. Unfortunately, this can mean double litigation for some of our clients.