Senior citizens and disabled persons recovery from insurers under a disability or long-term care policy authorization

This bill (SF 3535) amends Minnesota law to clarify that senior citizens (62+) and disabled persons can pursue legal action against insurers who wrongfully deny benefits under disability or long-term care insurance policies. It adds a new provision allowing these individuals to seek private remedies if an insurer: (1) denied benefits without a reasonable basis, or (2) knew the denial lacked a reasonable basis or acted recklessly. The law directly affects policyholders in Minnesota who have disability or long-term care insurance and face unjust claim denials. It does not create new benefits but strengthens existing legal recourse for affected individuals.