MN HF3836

Long-term disability insurance policies that limit mental health or substance use disorder coverage duration cannot be offered in Minnesota without a disclosure provided at the time of application.

Disclosure must notify applicants that their selected coverage limits the duration for mental health or substance use disorders and inform them of the right to request information about unlimited duration options, if available.

Applicants must acknowledge receipt of the disclosure in writing.

Insurance companies must retain evidence of the disclosure and acknowledgment for a minimum of two years.