Heart & Lung Bill

The benefit you've already earned.

A presumption of duty-related coverage for cardiovascular and respiratory conditions — built into the law of most states.

What it actually covers

The Heart & Lung Act (and its state-level counterparts) presumes that any cardiovascular, hypertensive, or respiratory condition contracted by a qualifying first responder is the direct result of their service. The burden of proof shifts away from you — and onto the system that should be supporting you.

100% of medical expenses for qualifying conditions
Full salary continuation during recovery (in qualifying states)
Coverage for prescriptions, specialists, and follow-up care
Eligibility extends to retirees in many jurisdictions
Spouse and dependent benefits in select states
Important

State-by-state, the rules differ.

Florida, Pennsylvania, New Jersey, California, and Illinois each handle the presumption differently. Your Frontline RX concierge will verify your specific eligibility in your state of service.

Verify My State
Eligibility

Who Is Covered Under the Heart & Lung Act?

Certain public safety professionals may qualify for powerful protections under the Heart & Lung Act.

  • Full-time police officers (municipal, state, and county)
  • Firefighters (career and, in some cases, volunteer)
  • Sheriff's deputies and correctional officers
  • State troopers and highway patrol officers
  • Parole and probation officers (in some jurisdictions)
  • Park rangers or specialized law enforcement officers with police powers
  • Certain federal law enforcement officers
  • Other designated emergency responders depending on classification
Important Note

Coverage varies significantly by state, and eligibility often depends on employment status, job classification, and whether the condition is considered duty-related or presumptive.

Check Your Eligibility

Confidential · 60-Second Review

Find out what you qualify for today.

Our concierge team specializes in benefits coordination for first responders and active military. One short conversation. Lifetime of support.