Connecticut legislation · 2026 General Assembly
Connecticut SB478: AN ACT CONCERNING CONSUMER SAFEGUARDS FOR LONG-TERM CARE POLICIES.
Status: Signed into law, June 2, 2026
What the bill says
An act concerning consumer safeguards for longterm care policies. assembly convened.
From the enrolled text:
AN ACT CONCERNING CONSUMER SAFEGUARDS FOR LONGTERM CARE POLICIES. Assembly convened: Section 1. Subsection (b) of section 38a-501 of the general statutes is repealed and the following is substituted in lieu thereof (Effective July 1, 2026): (b) (1) No insurance company, fraternal benefit society, hospital service corporation, medical service corporation or health care center may deliver or issue for delivery any long-term care policy that has a loss ratio of less than sixty per cent for any individual long-term care policy. An issuer shall not use or change premium rates for a long-term care policy unless the rates have been filed with and approved by the commissioner. Any rate filings or rate revisions shall demonstrate that anticipated claims in relation to premiums when combined with actual experience to date can be expected to comply with the loss ratio requirement of this section. A rate filing shall include the factors and methodology used to estimate irrevocable trust values if the policy includes an option for the elimination period specified in subdivision (1) of subsection (a) of this section. (2) An issuer shall file an annual report, not later than May first, with Substitute Senate Bill No. 478 the Insurance Commissioner on incurred losses and actual paid losses for each long-term care policy issued in the state. The Insurance Commissioner, in consultation …
Sponsors
- Martin Looney (D, 11) · primary sponsor
- Mitch Bolinsky (R, 106)
- Kurt Vail (R, 52)
- William Pizzuto (R, 71)
- Gary Turco (D, 27)
- Kate Farrar (D, 20)
- Mike Demicco (D, 21)
- Amy Morrin Bello (D, 28)
- Robin Comey (D, 102)
- Brian Lanoue (R, 45)
- Rick Lopes (D, 6)
- Derek Slap (D, 5)
Latest actions
- : Signed by the Governor
- : Transmitted by Secretary of the State to Governor
- : Transmitted to the Secretary of State
- : Public Act 26-93
- : In Concurrence
- : House Passed as Amended by Senate Amendment Schedule A
- : House Adopted Senate Amendment Schedule A
- : House Calendar Number 556
- : Favorable Report, Tabled for the Calendar, House
- : Rules Suspended, Transmitted to the House
Votes
- House Roll Call 267 (May 5, 2026): 146 yea, 4 nay, passed
- Senate Roll Call 205 (April 30, 2026): 35 yea, 1 nay, passed
- Senate Roll Call 204 (April 30, 2026): 11 yea, 25 nay, failed
- HS Vote Tally Sheet (Joint Favorable) (March 19, 2026): 23 yea, 0 nay, passed
Subjects: Subpoenas, Violations, Damages, Attorney General, Consumer protection, Social Services, Department of
Common questions
- What is SB478?
- SB478 is a bill in the Connecticut Legislature (2026 General Assembly): AN ACT CONCERNING CONSUMER SAFEGUARDS FOR LONG-TERM CARE POLICIES.
- What does SB478 do?
- In its own words: An act concerning consumer safeguards for longterm care policies. assembly convened.
- What is the status of SB478?
- Signed into law as of June 2, 2026. Latest action: Signed by the Governor (June 2, 2026).
- Who sponsored SB478?
- Martin Looney (D, 11), with 11 co-sponsors.
- Where is the official record for SB478?
- On the Connecticut Legislature website: https://www.cga.ct.gov/asp/cgabillstatus/cgabillstatus.asp?selBillType=Bill&bill_num=SB00478&which_year=2026
Source: official Connecticut record. Tracked by Delilah, AI for legislation across all 50 states and Congress.