FIRST RESPONDER PTSD COVERAGE REQUIRED AS OF JAN. 1, 2025

                         

 

Effective Jan. 1, 2025, the Ashley Wilson Act (HB 451) requires all public entities in Georgia to offer a supplemental benefit program for eligible first responders diagnosed with post-traumatic stress disorder (PTSD) resulting from exposure to line-of-duty traumatic events. It provides a financial safety net to assist with uninsured costs associated with PTSD treatment and recovery. A first responder may access the benefits quickly and confidentially to reduce worry over stigma or job loss. The Act does not impact employer health plans, which provide coverage for PTSD and other mental health conditions.

 

The Act requires two once-per-lifetime benefits. The first is a $3,000 lump-sum benefit paid following the diagnosis of occupational PTSD by a qualified diagnostician. The second is a long-term disability benefit if the eligible first responder is no longer able to perform their duties as a first responder due to their PTSD diagnosis.

 

The Georgia Municipal Association (GMA) and the Association County Commissioners of Georgia (ACCG) have partnered with MetLife to design and implement a highly customized insurance program compliant with the Act. In September 2024, GMA and ACCG provided its city and county members with information on the program and how to obtain a quote and secure coverage compliant with the Act effective Jan.1, 2025.