MN HF1880

Expands Minnesota's consumer protection law (section 325F.71) to allow senior citizens (age 62+) and disabled persons to pursue private legal remedies against insurers who wrongfully deny disability or long-term care policy benefits

Adds a new definition of "insurance policy" covering written agreements for temporary or permanent disability income benefits or long-term care benefits, including both individual and group policies

Enables affected individuals to seek recovery when an insurer denied benefits without a reasonable basis, or knowingly/recklessly denied benefits despite lacking reasonable grounds for denial

Amends existing statute by adding insurers to the entities from which senior citizens and disabled persons can seek remedies under the private remedies provision (subdivision 4)