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Illinois Compiled Statutes

820 ILCS 320/10 (2026)

Required health coverage benefits

✓ current as of May 2026
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(820 ILCS 320/10)
    Sec. 10. Required health coverage benefits.
    (a) An employer who employs a full-time law enforcement, correctional or correctional probation officer, or firefighter, who, on or after the effective date of this Act suffers a catastrophic injury or is killed in the line of duty shall pay the entire premium of the employer's health insurance plan for the injured employee, the injured employee's spouse, and for each dependent child of the injured employee until the child reaches the age of majority or until the end of the calendar year in which the child reaches the age of 25 if the child continues to be dependent for support or the child is a full-time or part-time student and is dependent for support. An individual whose entire premium is paid in accordance with this Section shall be offered by the employer the choice of any health insurance plan available to currently employed full-time law enforcement, correctional or correctional probation officers, or firefighters. For purposes of plans administered under the State Employee Group Insurance Act of 1971, changes in coverage may only be elected during open enrollment or following a qualifying event. The term "health insurance plan" does not include supplemental benefits that are not part of the basic group health insurance plan. If the injured employee subsequently dies, the employer shall continue to pay the entire health insurance premium for the surviving spouse until remarried and for the dependent children under the conditions established in this Section. However:
        (1) Health insurance benefits payable from any other
    
source shall reduce benefits payable under this Section.
        (2) It is unlawful for a person to willfully and
    
knowingly make, or cause to be made, or to assist, conspire with, or urge another to make, or cause to be made, any false, fraudulent, or misleading oral or written statement to obtain health insurance coverage as provided under this Section. A violation of this item is a Class A misdemeanor.
        (3) Upon conviction for a violation described in item
    
(2), a law enforcement, correctional or correctional probation officer, or other beneficiary who receives or seeks to receive health insurance benefits under this Section shall forfeit the right to receive health insurance benefits and shall reimburse the employer for all benefits paid due to the fraud or other prohibited activity. For purposes of this item, "conviction" means a determination of guilt that is the result of a plea or trial, regardless of whether adjudication is withheld.
    (b) In order for the law enforcement, correctional or correctional probation officer, firefighter, spouse, or dependent children to be eligible for insurance coverage under this Act, the injury or death must have occurred as the result of the officer's response to fresh pursuit, the officer or firefighter's response to what is reasonably believed to be an emergency, an unlawful act perpetrated by another, or during the investigation of a criminal act. Nothing in this Section shall be construed to limit health insurance coverage or pension benefits for which the officer, firefighter, spouse, or dependent children may otherwise be eligible.
(Source: P.A. 103-340, eff. 1-1-24.)

    
Notes of Decisions
Cited in 84 cases (17 in the last 5 years), 2001–2026 · leading case: Krohe v. City of Bloomington, 769 N.E.2d 551 (Ill. App. Ct. 2002).
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Krohe v. City of Bloomington, 769 N.E.2d 551 (Ill. App. Ct. 2002). · cites it 24× “Thereafter, plaintiff requested that the City continue to pay the health insurance premiums for him and his family pursuant to section 10 of the Public Safety Employee Benefits Act (Act) (820 ILCS 320/10 (West 2000)). The City denied the request, stating it was not required to…”
Gaffney v. Bd. of Trs. of the Orland Fire Prot. Dist., 2012 IL 110012 (Ill. 2012). · cites it 8× “Lemmenes were injured in the line of duty as firefighters and sought continuing health coverage benefits under section 10 of the Public Safety Employee Benefits Act (820 ILCS 320/10 (West 2006)). In Gaffney, the appellate court affirmed the denial of the plaintiff’s application…”
Gaffney v. Orland Fire Prot., 921 N.E.2d 778 (Ill. App. Ct. 2009). · cites it 26× “the defendants, the Board of Trustees of the Orland Fire Protection District, president Patrick Maher, secretary Patricia Corcoran, and the Orland Fire Protection District (collectively, the District), seeking a declaratory judgment to compel the payment of plaintiff's health…”
Gaffney v. Orland Fire Prot. Dist., 969 N.E.2d 359 (Ill. 2012). · cites it 10× “Lemmenes were injured in the line of duty as firefighters and sought continuing health coverage benefits under section 10 of the Public Safety Employee Benefits Act (820 ILCS 320/10 (West 2006)). In Gaffney, the appellate court affirmed the denial of the plaintiff's application…”
Vaughn v. City of Carbondale, 2016 IL 119181 (Ill. 2016). · cites it 4× “Vaughn, and his family, pursuant to section 10 of the Public Safety Employee Benefits Act (Act) (820 ILCS 320/10 (West 2012)). The circuit court of Jackson County denied plaintiff’s complaint for injunctive relief, which sought to prevent defendant from terminating plaintiff’s…”
Pederson v. Vill. of Hoffman Estates, 2014 IL App (1st) 123402 (Ill. App. Ct. 2014). · cites it 6× “Pedersen (Pedersen) was injured in the line of duty as a firefighter for defendant Village of Hoffman Estates (Village) and sought continuing health coverage benefits under section 10 of the Public Safety Employee Benefits Act (Act) (820 ILCS 320/10 (West 2006)). Defendant…”
Talerico v. Vill. of Clarendon Hills, 2021 IL App (2d) 200318 (Ill. App. Ct. 2021). · cites it 12× “Plaintiff filed a complaint for declaratory judgment against defendant in the circuit court of Du Page County, seeking a ruling that he was entitled to the payment of health insurance benefits pursuant to section 10 of the Public Safety Employee Benefits Act (Act) (820 ILCS…”
Pyle v. City of Granite City, 2012 IL App (5th) 110472 (Ill. App. Ct. 2012). · cites it 9× “ergency calls between March 1998 and September 1999, that he had been awarded a line-of-duty disability pension due to the fact that he was found to be permanently disabled from performing the essential physical responsibilities of his firefighting position, and that he was…”
Richter v. Vill. of Oak Brook, 958 N.E.2d 700 (Ill. App. Ct. 2011). · cites it 4× “The plaintiff then filed suit against the defendant to have his health insurance premiums paid under the Public Safety Employee Benefits Act (820 ILCS 320/10 (West 2002)), and for certain other benefits under the Public Employee Disability Act (5 ILCS 345/1(b) (West 2002)).”
Int'l Ass'n of Fire Fighters, Local 50 v. City of Peoria, 2022 IL 127040 (Ill. 2022). · cites it 3× “That the meanings of the terms ‘catastrophic injury’ and ‘injury’ as used in 820 ILCS 320/10(a) and (b) are not ambiguous when considering the full text of those sections along with Judicial opinions construing and defining those terms.”
Krohe v. City of Bloomington, 789 N.E.2d 1211 (Ill. 2003). · cites it 2× “JUSTICE THOMAS delivered the opinion of the court: The sole issue in this appeal is whether, under section 10(a) of the Public Safety Employee Benefits Act (Act) (820 ILCS 320/10 (West 2000)), the phrase “catastrophic injury” is synonymous with an injury resulting in a…”
Nowak v. City of Country Club Hills, 2011 IL 111838 (Ill. 2011). · cites it 2× “The City immediately began paying 100% of plaintiff’s health insurance premiums, as required by section 10(a) of the Public Safety Employee Benefits Act (PSEBA) (820 ILCS 320/10(a) (West 2006)). ¶6 Following the Board’s decision, plaintiff requested reimbursement from the City…”
Show all 84 citing cases →
— 820 ILCS 320/10(a) — 64 cases
Nowak v. City of Country Club Hills, 2011 IL 111838 (Ill. 2011). “The City immediately began paying 100% of plaintiff’s health insurance premiums, as required by section 10(a) of the Public Safety Employee Benefits Act (PSEBA) (820 ILCS 320/10(a) (West 2006)). ¶6 Following the Board’s decision, plaintiff requested reimbursement from the City…”
Int'l Ass'n of Fire Fighters, Local 50 v. City of Peoria, 2022 IL 127040 (Ill. 2022). “That the meanings of the terms ‘catastrophic injury’ and ‘injury’ as used in 820 ILCS 320/10(a) and (b) are not ambiguous when considering the full text of those sections along with Judicial opinions construing and defining those terms.”
Pyle v. City of Granite City, 2012 IL App (5th) 110472 (Ill. App. Ct. 2012). “ergency calls between March 1998 and September 1999, that he had been awarded a line-of-duty disability pension due to the fact that he was found to be permanently disabled from performing the essential physical responsibilities of his firefighting position, and that he was…”
Krohe v. City of Bloomington, 789 N.E.2d 1211 (Ill. 2003). “JUSTICE THOMAS delivered the opinion of the court: The sole issue in this appeal is whether, under section 10(a) of the Public Safety Employee Benefits Act (Act) (820 ILCS 320/10 (West 2000)), the phrase “catastrophic injury” is synonymous with an injury resulting in a…”
Krohe v. City of Bloomington, 769 N.E.2d 551 (Ill. App. Ct. 2002). “Thereafter, plaintiff requested that the City continue to pay the health insurance premiums for him and his family pursuant to section 10 of the Public Safety Employee Benefits Act (Act) (820 ILCS 320/10 (West 2000)). The City denied the request, stating it was not required to…”
— 820 ILCS 320/10(a)(1) — 5 cases
Barry v. City of Chicago, 2021 IL App (1st) 200829 (Ill. App. Ct. 2021).
Pyle v. City of Granite City, 2012 IL App (5th) 110472 (Ill. App. Ct. 2012). “ergency calls between March 1998 and September 1999, that he had been awarded a line-of-duty disability pension due to the fact that he was found to be permanently disabled from performing the essential physical responsibilities of his firefighting position, and that he was…”
Mertes v. Vill. of Mt. Prospect, 2024 IL App (1st) 221787 (Ill. App. Ct. 2024).
Ceyer v. City of Berwyn, 2024 IL App (1st) 231538 (Ill. App. Ct. 2024).
Ceyer v. The City of Berwyn, 2024 IL App (1st) 231538-U (Ill. App. Ct. 2024).
— 820 ILCS 320/10(a)(2) — 1 case
Vaughn v. City of Carbondale, 2016 IL 119181 (Ill. 2016). “Vaughn, and his family, pursuant to section 10 of the Public Safety Employee Benefits Act (Act) (820 ILCS 320/10 (West 2012)). The circuit court of Jackson County denied plaintiff’s complaint for injunctive relief, which sought to prevent defendant from terminating plaintiff’s…”
— 820 ILCS 320/10(b) — 41 cases
Gaffney v. Bd. of Trs. of the Orland Fire Prot. Dist., 2012 IL 110012 (Ill. 2012). “Lemmenes were injured in the line of duty as firefighters and sought continuing health coverage benefits under section 10 of the Public Safety Employee Benefits Act (820 ILCS 320/10 (West 2006)). In Gaffney, the appellate court affirmed the denial of the plaintiff’s application…”
Gaffney v. Orland Fire Prot. Dist., 969 N.E.2d 359 (Ill. 2012). “Lemmenes were injured in the line of duty as firefighters and sought continuing health coverage benefits under section 10 of the Public Safety Employee Benefits Act (820 ILCS 320/10 (West 2006)). In Gaffney, the appellate court affirmed the denial of the plaintiff's application…”
Gaffney v. Orland Fire Prot., 921 N.E.2d 778 (Ill. App. Ct. 2009). “the defendants, the Board of Trustees of the Orland Fire Protection District, president Patrick Maher, secretary Patricia Corcoran, and the Orland Fire Protection District (collectively, the District), seeking a declaratory judgment to compel the payment of plaintiff's health…”
Pederson v. Vill. of Hoffman Estates, 2014 IL App (1st) 123402 (Ill. App. Ct. 2014). “Pedersen (Pedersen) was injured in the line of duty as a firefighter for defendant Village of Hoffman Estates (Village) and sought continuing health coverage benefits under section 10 of the Public Safety Employee Benefits Act (Act) (820 ILCS 320/10 (West 2006)). Defendant…”
Vaughn v. City of Carbondale, 2016 IL 119181 (Ill. 2016). “Vaughn, and his family, pursuant to section 10 of the Public Safety Employee Benefits Act (Act) (820 ILCS 320/10 (West 2012)). The circuit court of Jackson County denied plaintiff’s complaint for injunctive relief, which sought to prevent defendant from terminating plaintiff’s…”
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