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

This bill allows spouses and domestic partners to access long-term care insurance coverage for an incapacitated partner even if the partner did not sign a power of attorney. The change takes effect when a medical professional determines the insured lacks decision-making capacity and ends when they regain it. Additionally, the bill requires insurers to provide specific data on nursing home rates and experience reports to state officials for research purposes. These updates apply to long-term care insurance plans issued or renewed after the law becomes effective.