Senior citizens and disabled persons allowed to recover from insurers under a disability or long-term care policy.

HF 1880 amends Minnesota law to allow senior citizens (62+ years old) and disabled persons to seek legal remedies from insurers who wrongfully deny benefits under disability or long-term care insurance policies. The bill defines "disabled person" as someone with a substantial limitation in major life activities (like walking, working, or caring for oneself) and creates a new provision (Subd. 2a) for private lawsuits. It permits these individuals to sue insurers if the insurer denied benefits without a reasonable basis or acted recklessly in denying them. This directly affects policyholders in Minnesota who face unjust insurance denials due to disability or age-related needs.