SB 1327: INS-HEALTH PARITY/DISABILITY

Summary

Amends the Illinois Insurance Code. Provides that, on and after January 1, 2028, no insurer shall amend, deliver, issue, or renew a group or individual policy or certificate of long-term disability income insurance in the State without a disclosure, provided at the time of application, that includes the specified information concerning limitations on the duration of coverage for mental health or substance use disorders and the right to request more information about the limitation and other coverage options. Requires receipt of the disclosure to be acknowledged by the potential policyholder or plan sponsor, and provides that evidence of the disclosure and acknowledgment must be retained by the insurance company offering the coverage for a period of no less than 2 years. Effective January 1, 2028.

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Jul 24, 2026

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