First Responders Mental Health Plan Act.

HB 463 establishes a supplemental insurance plan for North Carolina first responders diagnosed with specific mental health conditions (like anxiety, depression, or PTSD) directly resulting from their job. It provides three key benefits: up to $5,000 annually for out-of-pocket mental health costs, 75% of salary or $5,000 monthly (max 12 weeks/year) for leave due to treatment, and disability benefits (75% salary or $5,000/month, max 36 months) if unable to work. Eligibility requires a job-related diagnosis, current employment as a defined first responder (including police, firefighters, EMTs, and dispatchers), and exclusion from workers' compensation benefits. The plan aims to support recovery and return to duty while limiting benefits to cover gaps not met by other sources.