If you are a police officer or firefighter injured in the line of duty, you and your family may be entitled to health insurance coverage through your employer through the age of 65. The legislature through Minnesota Statutes § 299A.465 sets forth that if a police officer or firefighter cannot perform the normal duties of the position for at least twelve months due to an injury that was the result of the performance of inherently dangerous duties specific to police or firework, the police officer or firefighter is entitled to continued health insurance benefits. This eligibility standard is identical to the PERA Duty Disability eligibility standard, and is a huge financial benefit to police officers and firefighters injured in the line of duty.

The attorneys at Meuser Law Office, P.A. have represented hundreds of police officers and firefighters in Minnesota workers’ compensation and PERA/MSRS disability claims over the years. Unfortunately, there are times when the injury is career-ending and the individual is left wondering what to do next. Oftentimes the police officer or firefighter is too young to retire or do not know what to do once their career in law enforcement and/or firefighting is over. Most have no other experience and the only career path they wanted was to be a cop or firefighter. Our good friend and former client, Chuck Gollop, found himself in that very situation. We recently reached out to Chuck and asked him to share his story with us and how he turned his career-ending injury into the next phase of his life. Here is Chuck’s story:

As of January 1, 2019, a new law has gone into effect that may drastically change the way work-related PTSD claims are handled in Minnesota. For PTSD injuries that occur on or after January 1, 2019, there is now a presumption for first responders that their PTSD is work-related. A first responder’s PTSD still must meet the criteria set forth in the DSM-V and be diagnosed by a doctor of psychology or a medical doctor working in a related field. The covered “first responder” positions include:

In cases where Minnesota police officers or firefighters are injured in the line of duty through the fault of a third-party, typically a suspect or the driver of another vehicle, then he or she has a separate cause of action against the negligent person, outside of PERA/MSRS benefits and workers’ compensation benefits. In those cases, sometimes defendants try to argue to the jury that the officer or firefighter did not truly sustain any economic damage because he or she has been adequately compensated for his or her loss by PERA or MSRS Duty Disability benefits.