Relating to: insurer claims denial practices and auditing, creating the Office of the Public Intervenor, granting rule-making authority, and making an appropriation. (FE)

Summary

The bill establishes an Office of the Public Intervenor within the insurance commissioner’s office to assist individuals in appealing denied disability insurance claims. It requires insurers to give detailed explanations for denials, disclose any use of artificial‑intelligence decision tools, and bans vague or misleading denial practices. The office would be funded by an assessment on insurers based on their disability‑insurance premium volume.

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