This Minnesota House bill (H.F. No. 1880), authored by Representative Moller, seeks to enhance consumer protection for senior citizens and disabled persons. Specifically, it amends Minnesota Statutes 2024, section 325F.71, by updating definitions and adding provisions related to insurance policies.

Key provisions of the bill: 1. Definitions – The bill clarifies the definitions of "senior citizen" (62 years or older), "disabled person" (those with significant physical, mental, or emotional impairments), "insurance policy" (covering income benefits for disability or long-term care), and "major life activities" (such as walking, seeing, working, etc.).

1. Insurer Accountability – The bill allows senior citizens and disabled persons to seek private remedies if an insurer:
   • Denied insurance benefits without a reasonable basis.
   • Knew there was no reasonable basis for denial.
   • Acted recklessly in denying benefits.

By establishing these protections, the bill aims to ensure fair treatment of vulnerable populations by insurance providers and provide legal recourse in cases of wrongful benefit denials.