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

This bill amends Minnesota Statutes to allow senior citizens and disabled persons to recover from insurers under a disability or long-term care policy. It defines "senior citizen" as a person who is 62 years of age or older and "disabled person" as someone with an impairment that substantially limits one or more major life activities. The bill specifies that private remedies are available if the insurer did not have a reasonable basis to deny benefits or acted in reckless disregard of the lack of such a basis.

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

This bill amends Minnesota Statutes to allow senior citizens and disabled persons to recover from insurers under a disability or long-term care policy. It defines "senior citizen" as a person who is 62 years of age or older and "disabled person" as someone with an impairment that substantially limits one or more major life activities. The bill specifies that private remedies are available if the insurer did not have a reasonable basis to deny benefits or acted in reckless disregard of the lack of such a basis.