Sunshine State lawmakers are considering long term care insurance legislation that could affect insurers’ ability to challenge claims.

Members of the Florida Senate Banking and Insurance Committee have approved S.B. 2290, a bill that would require insurers to offer a contingency benefit to holders of LTC insurance policies placed in a closed block of business.

The bill, sponsored by state Sen. Michael Fasano, R-New Port Richey, Fla., also would limit an insurer’s ability to contest a policy at the time a claim is filed if the policy was in force for 2 years, according to officials at the Florida Office of Insurance Regulation.

To ease shopping, the bill would require insurers to offer a standard LTC benefit policy.