1.1 	A bill for an act
1.2 	relating to consumer protection; allowing senior citizens and disabled persons to 
1.3 	recover from insurers under a disability or long-term care policy;amending 
1.4 	Minnesota Statutes 2024, section 325F.71, subdivision 1, by adding a subdivision.
1.5 	BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA:

1.6 	Section 1. Minnesota Statutes 2024, section 325F.71, subdivision 1, is amended to read:
1.7 		Subdivision 1.Definitions. (a) For the purposes of this section, the following words 
1.8 	have the meanings given them:.
1.9 	(a) (b) "Senior citizen" means a person who is 62 years of age or older.
1.10 	(b) (c) "Disabled person" means a person who has an impairment of physical or mental 
1.11 	function or emotional status that substantially limits one or more major life activities.
1.12 	(d) "Insurance policy" means a written agreement to provide income benefits due to 
1.13 	temporary or permanent disability or benefits under a long-term care policy, as defined in 
1.14 	section 62A.46 or 62S.01: (1) between a senior citizen or disabled person and an insurer; 
1.15 	or (2) in which an insurer agrees to provide a group of persons income benefits.
1.16 	(c) (e) "Major life activities" means functions such as caring for one's self, performing 
1.17 	manual tasks, walking, seeing, hearing, speaking, breathing, learning, and working.

1.18 	Sec. 2. Minnesota Statutes 2024, section 325F.71, is amended by adding a subdivision to 
1.19 	read:
1.20 		Subd. 2a.Insurers. The private remedies under subdivision 4 are available to a senior 
1.21 	citizen or disabled person if the senior citizen or disabled person demonstrates an insurer:
2.1 	(1) did not have a reasonable basis to deny the insurance policy benefits; or
2.2 	(2) knew that a reasonable basis to deny insurance policy benefits did not exist or acted 
2.3 	in reckless disregard of the lack of a reasonable basis to deny the insurance policy benefits.