Relates to invoking coverage of a health insurance plan for long term care for an incapacitated individual

Bill S 5332 allows an insured individual's spouse or domestic partner to activate their long-term care health insurance coverage if the insured becomes incapacitated and did not previously execute a power of attorney for this purpose. This authority begins when the insured is determined to lack decision-making capacity, and it ceases if they regain capacity. The bill applies to long-term care health insurance plans issued or renewed after the effective date, aiming to facilitate access to care coverage for incapacitated individuals through their partners.