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HF1880 (Legislative Session 94 (2025-2026))

Senior citizens and disabled persons allowed to recover from insurers under a disability or long-term care policy.

AI Generated Summary

This bill amends Minnesota Statutes 2024, section 325F.71, to enhance consumer protection for senior citizens (62 years or older) and disabled persons regarding disability and long-term care insurance policies.

Key Provisions:

  1. Definitions Expanded:

    • Clarifies the definitions of senior citizen, disabled person, insurance policy, and major life activities to ensure eligibility for protections under the law.

  2. Insurer Accountability (New Subd. 2a):

    • Senior citizens or disabled persons have private remedies if:
      • An insurer unreasonably denies benefits.
      • The insurer knew they lacked a reasonable basis for denial.
      • The insurer acted recklessly in disregarding the lack of a valid basis for denial.

Impact:

  • Strengthens legal recourse for senior citizens and disabled persons against unfair benefit denials.
  • Holds insurance companies accountable for unjustified denials of disability or long-term care benefits.

This bill is aimed at enhancing consumer protections, ensuring that vulnerable populations receive the insurance benefits they are entitled to under their policies.

Bill text versions

Actions

DateChamberWhereTypeNameCommittee Name
March 04, 2025HouseFloorActionIntroduction and first reading, referred toCommerce Finance and Policy
March 05, 2025HouseFloorActionAuthor added

Citations

 
[
  {
    "analysis": {
      "added": [
        "Definition of insurance policy now includes reference to section 62A.46."
      ],
      "removed": [],
      "summary": "References to definitions related to long-term care policies under section 62A.46.",
      "modified": []
    },
    "citation": "62A.46"
  },
  {
    "analysis": {
      "added": [
        "Definition of insurance policy now includes reference to section 62S.01."
      ],
      "removed": [],
      "summary": "References to definitions related to long-term care policies under section 62S.01.",
      "modified": []
    },
    "citation": "62S.01"
  }
]

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