TN SB2181

Requires employers to pay full health insurance premiums for state and local law enforcement officers who are killed or suffer catastrophic injuries in the line of duty on or after January 1, 2020, covering the officer (if injured), spouse/surviving spouse, and eligible dependent children including unborn children.

Defines "catastrophic injury" as permanent impairment including paraplegia, legal blindness, loss of two or more limbs, traumatic brain or spinal cord injury, second- or third-degree burns, permanent disfigurement, or conditions qualifying for SSDI/SSI benefits.

Covers state law enforcement officers (Department of Safety, TBI agents, Wildlife Resources officers, Alcoholic Beverage Commission officers, and correctional officers) as well as local officers (sheriffs, deputies, police officers, chiefs, and local correctional officers).

Terminates spousal coverage if the spouse remarries and becomes eligible for insurance through the new marriage, though dependent children may continue coverage if they cannot obtain coverage through the new spouse's plan.

Requires the state to reimburse political subdivisions for health insurance premiums or COBRA coverage costs they pay under this provision, effective July 1, 2026.