MS HB325

Creates the Mississippi First Responders Health and Safety Trust Fund to provide cancer benefits and insurance premium payments for eligible first responders.

Directs 40% of nonadmitted policy fees (collected by surplus lines insurance producers) to fund fire truck programs, fire prevention initiatives, the First Responders Health and Safety Trust Fund, and hurricane mitigation, with 60% going to the Mississippi Insurance Underwriting Association.

Establishes cancer benefit payments for first responders diagnosed on or after their coverage effective date, including lump-sum payments of $35,000 for severe cases and $6,250 for less severe cases, with a lifetime cap of $50,000.

Provides monthly disability benefits for first responders unable to work due to cancer-related illness: up to $5,000 monthly for nonvolunteer firefighters and police officers, or $1,500 for volunteer firefighters, payable for up to 36 months.

Modifies the Mississippi Insurance Underwriting Association Board of Directors to include the Secretary of State as a voting member and designates the State Treasurer as a nonvoting member, and removes the July 1, 2022 repealer date on nonadmitted policy fee provisions.