MO HB3096

Creates the "Missouri Firefighter Occupational Disease Protection Act" establishing a rebuttable presumption that cancer, heart-related, perivascular, or pulmonary conditions contracted by firefighters and fire investigators are occupational diseases eligible for workers' compensation

Requires firefighters/fire investigators to have passed a pre-employment physical showing no evidence of the condition, served minimum 5 years in hazardous duty, and been exposed to classified carcinogens, with diagnosis occurring during employment or within 10 years after leaving

Employers can only rebut the presumption with clear and convincing evidence that a nonoccupational cause was the "independent, primary, and exclusive cause" of the condition

Imposes penalties up to $50,000 (5x the delayed/rejected benefits) on employers or insurance carriers who unreasonably reject or delay claims qualifying for presumptive coverage, with 30-day response deadline

Requires insurance carriers and self-insured employers to report cancer-related claim data to the division, which must publish biennial reports starting August 28, 2028