Allows spouses and domestic partners to invoke long term care coverage for incapacitated individuals.

New York S05332 amends the insurance law to allow spouses and domestic partners to invoke coverage of a health insurance plan for long term care for an incapacitated individual. This authority is contingent upon a determination by a physician or nurse practitioner that the insured lacks decision-making capacity. The spouse or domestic partner's authority ceases if the insured regains decision-making capacity. The bill applies to health insurance plans for long term care issued or renewed after the act becomes law.

Allows spouses and domestic partners to invoke long term care coverage for incapacitated individuals.

New York S05332 amends the insurance law to allow spouses and domestic partners to invoke coverage of a health insurance plan for long term care for an incapacitated individual. This authority is contingent upon a determination by a physician or nurse practitioner that the insured lacks decision-making capacity. The spouse or domestic partner's authority ceases if the insured regains decision-making capacity. The bill applies to health insurance plans for long term care issued or renewed after the act becomes law.