New York S 5318: Requires all public authorities owning, leasing, and controlling critical infrastructure to study the potential consequences of privatization

Bill Text

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 Speaker Carl E. Heastie

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S05318 Summary:

BILL NOS05318 

&nbsp

SAME ASSAME AS A06465

&nbsp

SPONSORBAILEY

&nbsp

COSPNSRCOONEY

&nbsp

MLTSPNSR

&nbsp

Amd §§3216 & 3221, Ins L

&nbsp

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

Go to top S05318 Actions:

BILL NOS05318 

&nbsp

02/20/2025REFERRED TO INSURANCE

03/24/20251ST REPORT CAL.586

03/25/20252ND REPORT CAL.

03/26/2025ADVANCED TO THIRD READING 

06/13/2025COMMITTED TO RULES

01/07/2026REFERRED TO INSURANCE

05/18/20261ST REPORT CAL.1125

05/19/20262ND REPORT CAL.

05/20/2026ADVANCED TO THIRD READING 

06/02/2026SUBSTITUTED BY A6465

&nbspA06465 AMEND= Hunter

&nbsp03/05/2025referred to insurance

&nbsp01/07/2026referred to insurance

&nbsp03/18/2026reported 

&nbsp03/19/2026advanced to third reading cal.319

&nbsp05/06/2026passed assembly

&nbsp05/06/2026delivered to senate

&nbsp05/06/2026REFERRED TO INSURANCE

&nbsp06/02/2026SUBSTITUTED FOR S5318

&nbsp06/02/20263RD READING CAL.1125

&nbsp06/02/2026PASSED SENATE

&nbsp06/02/2026RETURNED TO ASSEMBLY

Go to topS05318 Committee&nbspVotes:

Go to topS05318 Floor&nbspVotes:

There are no Assembly votes for this bill in this legislative session.

Go to topS05318 Text:

 STATE OF NEW YORK
 ________________________________________________________________________

 5318

 2025-2026 Regular Sessions

 IN SENATE

 February 20, 2025
 ___________

 Introduced by Sens. BAILEY, COONEY -- read twice and ordered printed,
 and when printed to be committed to the Committee on Insurance

 AN ACT to amend the insurance law, in relation to prohibiting insurers
 from reducing disability benefits unless certain conditions are met

 The People of the State of New York, represented in Senate and Assem-
 bly, do enact as follows:

 1 Section 1. Section 3216 of the insurance law is amended by adding a
 2 new subsection (n) to read as follows:
 3 (n) No insurer may offset or reduce benefits payable under a policy of
 4 accident and health insurance providing disability insurance due to the
 5 actual or estimated receipt of social security disability insurance
 6 benefits unless:
 7 (1) the insurer has a reasonable, good faith belief that the insured
 8 is entitled to such benefits and a means of reasonably estimating the
 9 amount payable;
 10 (2) the insurer notifies the insured that the insured may qualify for
 11 such benefits and to pursue such benefits through any required adminis-
 12 trative appeals;
 13 (3) the insurer makes a good faith effort to assist the insured in
 14 applying for such benefits; and
 15 (4) the insured fails to apply for, or pursue, such benefits with
 16 reasonable diligence during the application process or any required
 17 appeals.
 18 § 2. Section 3221 of the insurance law is amended by adding a new
 19 subsection (v) to read as follows:
 20 (v) No insurer may offset or reduce benefits payable under a policy of
 21 accident and health insurance providing disability insurance due to the
 22 actual or estimated receipt of social security disability insurance
 23 benefits unless:

 EXPLANATION--Matter in italics (underscored) is new; matter in brackets
 [ ] is old law to be omitted.
 LBD09624-01-5

 S. 5318 2

 1 (1) the insurer has a reasonable, good faith belief that the insured
 2 is entitled to such benefits and a means of reasonably estimating the
 3 amount payable;
 4 (2) the insurer notifies the insured that the insured may qualify for
 5 such benefits and to pursue such benefits through any required adminis-
 6 trative appeals;
 7 (3) the insurer makes a good faith effort to assist the insured in
 8 applying for such benefits; and
 9 (4) the insured fails to apply for, or pursue, such benefits with
 10 reasonable diligence during the application process or any required
 11 appeals.
 12 § 3. This act shall take effect immediately.

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