Bill Status of HB 3451   101st General Assembly

Short Description:  INS CODE-POLICY READABILITY

House Sponsors
Rep. Lance Yednock

Last Action  View All Actions

DateChamber Action
  1/13/2021HouseSession Sine Die

Statutes Amended In Order of Appearance
215 ILCS 5/143.5 new

Synopsis As Introduced
Amends the Illinois Insurance Code. Requires insurance policies to be written in language easily readable and understandable by a person of average intelligence and education. Provides the factors the Director of Insurance shall consider in making the determination that the policy is easily readable and understandable by a person of average intelligence and education.

 Fiscal Note (Dept. of Insurance)
 Some states have requirements related to the Flesch Test Readability which could greatly assist in adhering to the requirements of this bill. However, the bill in its current form provides little guidance on what "understandable" means, which could vary greatly from individual to individual. To meet the requirements as described within HB 3451 the Department anticipates the need for, at minimum, eight (8) additional insurance analyst positions within three of our insurance compliance units, Life, Health and Property/Casualty, with a projected fiscal impact to the Illinois Department of Insurance of just over $978,500 in personal services and related expenditures.

 State Mandates Fiscal Note (Dept. of Commerce & Economic Opportunity)
 This bill does not create a State mandate.

Actions 
DateChamber Action
  2/15/2019HouseFiled with the Clerk by Rep. Lance Yednock
  2/15/2019HouseFirst Reading
  2/15/2019HouseReferred to Rules Committee
  3/5/2019HouseAssigned to Insurance Committee
  3/26/2019HouseDo Pass / Short Debate Insurance Committee; 014-007-000
  3/29/2019HousePlaced on Calendar 2nd Reading - Short Debate
  4/1/2019HouseFiscal Note Requested by Rep. Tom Demmer
  4/1/2019HouseState Mandates Fiscal Note Requested by Rep. Tom Demmer
  4/8/2019HouseFiscal Note Filed
  4/10/2019HouseSecond Reading - Short Debate
  4/10/2019HouseHeld on Calendar Order of Second Reading - Short Debate
  4/11/2019HouseState Mandates Fiscal Note Filed
  4/12/2019HouseRule 19(a) / Re-referred to Rules Committee
  1/13/2021HouseSession Sine Die

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