,,ii  #aacth ,,congress  #ast ,session  
,s4 #adha  ,,in ,,the ,,senate ,,of     
,,the ,,united ,,states  ,august #a1    
#bjac ,ms4 ,klobuchar introduced the    
following bill2 which was read twice and
 referred to the ,committee on ,health1 
,education1 ,labor1 and ,pensions  ,a   
,,bill  ,to require issuers of long term
 care insurance to establish third-party
 review processes for disputed claims4  
#a4 ,short title ,this ,act may be cited
 as the ,long ,term ,care ,insurance    
,integrity ,act of #bjac4  #b4 ,long    
term care insurance dispute resolution  
review process  7a7 ,in general         
,notwithstanding any other provision of 
law1 an insurance issuer that offers a  
long term care insurance plan shall     
develop and implement claims dispute    
resolution procedures that comply with  
the requirements of this section that   
shall be applicable to such plan4  7b7  
,requirement ,a claims dispute          
resolution procedure under subsection   
7a7 shall--  7#a7 be designed to        

expeditiously resolve disputes          
concerning claims under the plan        
involved2  7#b7 with respect to such    
disputes1 provide for the application of
 one or more alternative means of       
dispute resolution involving independent
 third-party review under appropriate   
circumstances by entities that are      
mutually acceptable to the issuer and   
the enrollee involved1 with the decision
 of such reviewer being binding on the  
issuer2 and  7#c7 ensure that an        
enrollee is eligible to obtain claims   
review only to the extent and in the    
manner provided for in the applicable   
insurance contract4  7c7 ,appeals ,an   
enrollee may appeal the decision of an  
independent reviewer under subsection   
7b77#b7 to an appropriate ,state court  
as provided for under ,state law4  7d7  
,rule of construction ,nothing in this  
section shall be construed to provide   
authority for an independent third-party
 reviewer under subsection 7b77#b7 to   
modify the terms of any long term care  

insurance contract4