1.1 	A bill for an act
1.2 	relating to insurance; regulating long-term disability policies; prohibiting 
1.3 	standard of review provisions;proposing coding for new law in Minnesota 
1.4 	Statutes, chapter 60A.
1.5 	BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA:

1.6 	Section 1. [60A.255] LONG-TERM DISABILITY INSURANCE; PROHIBITED 
1.7 	PROVISION.
1.8 	No long-term disability insurance policy may specify a standard of review upon 
1.9 	which a court may review denial of a claim or of any other decision made by an insurance 
1.10 	company with respect to an enrollee. This section prohibits limiting court review to a 
1.11 	determination of whether the insurance company's decision is arbitrary and capricious, 
1.12 	an abuse of discretion, or any other standard less favorable to the enrollee than a 
1.13 	preponderance of the evidence.

1.14 	EFFECTIVE DATE. This section is effective January 1, 2016, and applies to 
1.15 	policies issued or renewed on or after that date.