Relating to: limitation on retroactive claim denials under health insurance policies.

Summary

The bill creates a new statute that restricts insurers to a 12‑month window—or 18 months when other payers are involved—to retroactively deny payments on disability insurance claims. It applies to health‑related policies defined as third‑party payers and excludes cases where the claim was fraudulent. The aim is to protect claimants from unexpected repayment demands after they have received benefits.

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