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A 6465

Prohibits insurers from reducing disability benefits due to the actual or anticipated receipt of social security disability benefits unless certain conditions are met

2025 Regular Session Introduced by Sam Berger and 3 co-sponsors

Prohibits insurers from reducing disability benefits based on actual or anticipated Social Security disability benefits, unless specific conditions defined in the bill apply.

REFERRED TO INSURANCE
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WeVote Research Nonpartisan
Bill Summary · A 6465

Summary of Assembly Bill A 6465

Quick overview

  • Bill number: A 6465
  • Title: Prohibits insurers from reducing disability benefits due to the actual or anticipated receipt of social security disability benefits unless certain conditions are met
  • Status: REFERRED TO INSURANCE
  • Introduced: March 5, 2025
  • Primary sponsor: Pamela J. Hunter
  • Co-sponsors: Sam Berger, David Weprin, Sarah Clark
  • Related bills: A 6126 (prior-session); S 5318 (companion)

What the bill would do

  • The core provision prohibits insurers from reducing a disability benefit based on a recipient’s actual receipt or the anticipated receipt of Social Security disability benefits, unless the bill specifies conditions under which a reduction could occur. The exact conditions are not detailed in the information provided, but the bill intends to limit or regulate how disability benefits may be offset by Social Security disability income.

Key provisions and scope (as available)

  • Prohibition: Insurers cannot reduce disability benefits solely because the beneficiary is receiving or is expected to receive Social Security disability benefits.
  • Conditional exceptions: Any reduction would be allowed only under specific conditions defined within the bill (not enumerated in the summary provided).
  • Coverage: Applies to disability benefits administered by insurers (the summary does not define whether this includes private disability policies, group plans, or other coverage, beyond “insurers”).

Affected parties

  • Individuals receiving disability benefits from insurers who might also receive Social Security disability benefits (OSDI/Social Security Disability Insurance recipients).
  • Insurance carriers and administrators responsible for calculating or adjusting disability benefits.
  • Potential interaction with social insurance programs and disability entitlement planning.

Legislative process and timeline

  • Status indicates the bill has been introduced and referred to the Assembly Committee on Insurance, meaning it has not yet advanced to full debate or passage.
  • Next steps typically include committee hearings, potential amendments, and votes before moving to the full chamber for consideration.

Related and companion legislation

  • A 6126 (prior-session) indicating related interest or previous version.
  • S 5318 (companion) indicating Senate counterpart to the Assembly bill, which may be pursued in parallel or coordinated.

Notes and considerations

  • The summary notes “certain conditions” without detailing them; the full bill text would specify permissible reductions, definitions (e.g., what constitutes “actual” vs. “anticipated” receipt), affected benefit types, and any transitional provisions.
  • If enacted, the bill could affect how disability benefits are coordinated with Social Security disability income and may require insurers to adjust benefit-offset practices.

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

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