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SB 478

AN ACT CONCERNING CONSUMER SAFEGUARDS FOR LONG-TERM CARE POLICIES.

2026 Regular Session Introduced by Saud Anwar and 54 co-sponsors

SB 478 strengthens consumer protections in Connecticut long-term care insurance policies and increases oversight of the state's Partnership for Long-Term Care program.

SIGNED BY GOVERNOR
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Bill Summary · SB 478

Legislative bill overview

SB 478 establishes consumer protection standards for long-term care insurance policies and oversight mechanisms for Connecticut's Partnership for Long-Term Care program. The bill appears designed to strengthen regulatory requirements and safeguards for residents and policyholders in the long-term care insurance market.

Why is this important

Long-term care costs represent a significant financial burden for Connecticut residents, with policies often involving substantial premiums and complex terms. Enhanced consumer safeguards can protect vulnerable elderly populations and their families from predatory practices, unclear policy terms, and inadequate coverage—issues that have affected consumers nationally in this market.

Potential points of contention

  • Insurance industry compliance costs: Stricter regulations and new administrative requirements may increase operational costs for insurers, potentially leading to higher premiums or reduced market participation
  • Scope of partnership program changes: Modifications to the Connecticut Partnership program's administration could affect existing policyholders and alter the program's original design, requiring careful transition planning
  • Regulatory burden vs. consumer benefit: Determining whether new safeguards provide meaningful protection or create excessive bureaucratic requirements without proportional consumer advantage

Compiled from official sources — confirm details with the bill’s official record.

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