Bill > SF3535

This bill amends Minnesota law to provide additional consumer protections for senior citizens and disabled persons in insurance claims. The bill expands definitions to clarify who qualifies as a senior citizen (62 years or older) and a disabled person (someone with a physical, mental, or emotional impairment that substantially limits major life activities), and defines what constitutes an insurance policy related to disability or long-term care benefits. Importantly, the bill creates new provisions that allow senior citizens and disabled persons to pursue private legal remedies against insurers if they can demonstrate that the insurer either: (1) lacked a reasonable basis for denying insurance policy benefits, or (2) knowingly denied benefits without a reasonable basis or acted with reckless disregard for the lack of a reasonable basis for denial. This change aims to provide greater protection and recourse for vulnerable populations when dealing with insurance claim disputes, making it easier for seniors and disabled individuals to challenge potentially inappropriate benefit denials.

Business and Industry

https://www.revisor.mn.gov/bills/bill.php?b=Senate&f=SF3535&ssn=0&y=2025