Bill > HF1880

This bill amends Minnesota's consumer protection laws to provide clearer definitions and legal recourse for senior citizens and disabled persons in insurance policy disputes. The bill defines a "senior citizen" as a person 62 years or older, and a "disabled person" as someone with a physical, mental, or emotional impairment that substantially limits one or more major life activities (such as caring for oneself, walking, working, etc.). It expands the definition of "insurance policy" to specifically include disability and long-term care policies for individuals and groups. More importantly, the bill creates new provisions that allow senior citizens and disabled persons to seek private remedies against insurers if they can demonstrate that the insurer either lacked a reasonable basis for denying benefits or knowingly acted in reckless disregard when denying claims. This change aims to provide additional protections for vulnerable populations by giving them more legal options when challenging insurance claim denials, potentially making it easier for seniors and disabled individuals to recover benefits they believe they are entitled to receive.

Business and Industry

https://www.revisor.mn.gov/bills/bill.php?b=House&f=HF1880&ssn=0&y=2025