# Connecticut SB 00478: AN ACT CONCERNING CONSUMER SAFEGUARDS FOR LONG-TERM CARE POLICIES.

Connecticut SB 00478, AN ACT CONCERNING CONSUMER SAFEGUARDS FOR LONG-TERM CARE POLICIES., is a 2026 Regular Session Senate bill sponsored by Human Services Committee; status signed, last action 2026-06-02 (Signed by the Governor); PRIA reads it as touching household money (as of 2026-11-01).

- Canonical: https://policyrisk.com/state-bill/CT-SB00478-2026
- As of: 2026-11-01
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Connecticut SB 00478
- State: Connecticut
- Session: 2026 Regular Session
- Title: AN ACT CONCERNING CONSUMER SAFEGUARDS FOR LONG-TERM CARE POLICIES.
- Status: signed
- Chamber: Senate
- Introduced: 2026-03-11
- Last action: 2026-06-02, Signed by the Governor
- Sponsor: Human Services Committee
- Cosponsors: 55
- Subjects: human services
- Touches household money: yes
- Roll calls: 4 (0 yes, 0 no in all)
- Economic provisions PRIA read: 1

## Summary

To establish consumer safeguards for purchases of long-term care insurance policies.

## Bill overview: provisions PRIA read

- Stronger enforcement for long-term care insurance: benefit, low. Beginning July 1, 2026, Connecticut’s Insurance Commissioner can investigate suspected violations of long-term care insurance rules by covered policy issuers. After an investigation and hearing, the commissioner can order a plan to fix problems, impose other remedies, or issue penalties. The commis…

## Sponsors and cosponsors

- Sponsor: Human Services Committee
- Cosponsor: Aimee Berger-Girvalo (Democratic), House
- Cosponsor: Amy Morrin Bello (Democratic), House
- Cosponsor: Anne M. Hughes (Democratic), House
- Cosponsor: Anthony L. Nolan (Democratic), House
- Cosponsor: Brian Lanoue (Republican), House
- Cosponsor: Ceci Maher (Democratic), Senate
- Cosponsor: Chris Stewart (Republican), House
- Cosponsor: Christopher Poulos (Democratic), House
- Cosponsor: Cristin McCarthy Vahey (Democratic), House
- Cosponsor: Derek Slap (Democratic), Senate
- Cosponsor: Devin R. Carney (Republican), House
- Cosponsor: Eleni Kavros DeGraw (Democratic), House
- Cosponsor: Eric C. Berthel (Republican), Senate
- Cosponsor: Gary A. Turco (Democratic), House
- Cosponsor: Heather S. Somers (Republican), Senate
- Cosponsor: Jaime S. Foster (Democratic), House
- Cosponsor: James Sanchez (Democratic), House
- Cosponsor: Jane M. Garibay (Democratic), House
- Cosponsor: Jason Perillo (Republican), Senate
- Cosponsor: Jillian Gilchrest (Democratic), House
- Cosponsor: John A. Kissel (Republican), Senate
- Cosponsor: Jorge Cabrera (Democratic), Senate
- Cosponsor: Josh Elliott (Democratic), House
- Cosponsor: Julie Kushner (Democratic), Senate
- Cosponsor: Kaitlyn Shake (Democratic), House
- Cosponsor: Kate Farrar (Democratic), House
- Cosponsor: Kenneth Gucker (Democratic), House
- Cosponsor: Kurt Vail (Republican), House
- Cosponsor: Laurie Sweet (Democratic), House
- Cosponsor: MD Rahman (Democratic), Senate
- Cosponsor: Martha Marx (Democratic), Senate
- Cosponsor: Martin M. Looney (Democratic), Senate
- Cosponsor: Mary Fortier (Democratic), House
- Cosponsor: Mary Welander (Democratic), House
- Cosponsor: Matt Blumenthal (Democratic), House
- Cosponsor: Matthew L. Lesser (Democratic), Senate
- Cosponsor: Michael "MJ" Shannon (Democratic), House
- Cosponsor: Michael D. Quinn (Democratic), House
- Cosponsor: Mike Demicco (Democratic), House
- Cosponsor: Mitch Bolinsky (Republican), House
- Cosponsor: Nicholas Menapace (Democratic), House
- Cosponsor: Nick Gauthier (Democratic), House
- Cosponsor: Patricia Billie Miller (Democratic), Senate
- Cosponsor: Paul Cicarella (Republican), Senate
- Cosponsor: Paul Honig (Democratic), Senate
- Cosponsor: Rebecca Martinez (Democratic), House
- Cosponsor: Rick Lopes (Democratic), Senate
- Cosponsor: Robin E. Comey (Democratic), House
- Cosponsor: Ronald A. Napoli (Democratic), House
- Cosponsor: Saud Anwar (Democratic), Senate
- Cosponsor: Stephen G. Harding (Republican), Senate
- Cosponsor: Tami Zawistowski (Republican), House
- Cosponsor: Tammy R. Exum (Democratic), House
- Cosponsor: Tom Delnicki (Republican), House
- Cosponsor: William Pizzuto (Republican), House

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2026-03-19 | Senate | Senate Roll Call Vote 204 | pass |   |   |   |
| 2026-03-19 | Senate | Senate Roll Call Vote 205 | pass |   |   |   |
| 2026-03-19 | Senate | HS Vote Tally Sheet (Joint Favorable) | pass |   |   |   |
| 2026-03-19 | House | House Roll Call Vote 267 AS AMENDED | pass |   |   |   |

## Actions (22)

- 2026-06-02: Signed by the Governor (legislature)
- 2026-05-26: Transmitted by Secretary of the State to Governor (legislature)
- 2026-05-26: Transmitted to the Secretary of State (legislature)
- 2026-05-19: Public Act 26-93 (legislature)
- 2026-05-05: In Concurrence (legislature)
- 2026-05-05: House Passed as Amended by Senate Amendment Schedule A (House)
- 2026-05-05: House Adopted Senate Amendment Schedule A (House)
- 2026-05-01: House Calendar Number 556 (House)
- 2026-05-01: Favorable Report, Tabled for the Calendar, House (House)
- 2026-04-30: Rules Suspended, Transmitted to the House (House)
- 2026-04-30: Senate Passed as Amended by Senate Amendment Schedule A (Senate)
- 2026-04-30: Senate Rejected Senate Amendment Schedule B 5427 (Senate)
- 2026-04-30: Senate Adopted Senate Amendment Schedule A 5414 (Senate)
- 2026-04-02: File Number 370 (legislature)
- 2026-04-02: Senate Calendar Number 257 (Senate)
- 2026-04-02: Favorable Report, Tabled for the Calendar, Senate (Senate)
- 2026-04-02: Reported Out of Legislative Commissioners' Office (legislature)
- 2026-03-27: Referred to Office of Legislative Research and Office of Fiscal Analysis 04/01/26 5:00 PM (legislature)
- 2026-03-20: Filed with Legislative Commissioners' Office (legislature)
- 2026-03-19: Joint Favorable (legislature)
- 2026-03-13: Public Hearing 03/17 (legislature)
- 2026-03-11: Referred to Joint Committee on Human Services (legislature)

## Bill text

- Public Act No. 26-93, 2026-04-30: [PDF](https://www.cga.ct.gov/2026/ACT/PA/PDF/2026PA-00093-R00SB-00478-PA.PDF)
- File No. 370, 2026-04-02: [PDF](https://www.cga.ct.gov/2026/FC/PDF/2026SB-00478-R000370-FC.PDF)
- HS Joint Favorable, 2026-03-19: [PDF](https://www.cga.ct.gov/2026/TOB/S/PDF/2026SB-00478-R01-SB.PDF)
- Raised Bill, 2026-03-11: [PDF](https://www.cga.ct.gov/2026/TOB/S/PDF/2026SB-00478-R00-SB.PDF)
- Bill Analysis For File Copy 370: [PDF](https://www.cga.ct.gov/2026/BA/PDF/2026SB-00478-R000370-BA.PDF)
- Bill Analysis for SB-478, as amended by Senate "A": [PDF](https://www.cga.ct.gov/2026/BA/PDF/2026SB-00478-R01-BA.PDF)
- Fiscal Note For File Copy 370: [PDF](https://www.cga.ct.gov/2026/FN/PDF/2026SB-00478-R000370-FN.PDF)
- Fiscal Note for Amendment LCO 4730 (Eliminates Fiscal Impact in Bill): [PDF](https://www.cga.ct.gov/2026/fna/pdf/2026SB-00478-R00LCO04730-FNA.pdf)
- Fiscal Note for Amendment LCO 5130 (Eliminates Fiscal Impact in Bill): [PDF](https://www.cga.ct.gov/2026/fna/pdf/2026SB-00478-R00LCO05130-FNA.pdf)
- Fiscal Note for Amendment LCO 5210 (Eliminates Fiscal Impact in Bill): [PDF](https://www.cga.ct.gov/2026/fna/pdf/2026SB-00478-R00LCO05210-FNA.pdf)
- Fiscal Note for Amendment LCO 5251 (Revenue Loss): [PDF](https://www.cga.ct.gov/2026/fna/pdf/2026SB-00478-R00LCO05251-FNA.PDF)
- Fiscal Note for Amendment LCO 5414 (Eliminates Fiscal Impact in Bill): [PDF](https://www.cga.ct.gov/2026/fna/pdf/2026SB-00478-R00LCO05414-FNA.PDF)
- Fiscal Note for Amendment LCO 5427 (Revenue Loss): [PDF](https://www.cga.ct.gov/2026/fna/pdf/2026SB-00478-R00LCO05427-FNA.PDF)
- Fiscal Note for SB-478, As Amended by Senate "A" (LCO 5414): [PDF](https://www.cga.ct.gov/2026/FN/PDF/2026SB-00478-R01-FN.PDF)
- HS Joint Fav. Rpt: [PDF](https://www.cga.ct.gov/2026/JFR/S/PDF/2026SB-00478-R00HS-JFR.PDF)
- HS Vote Tally Sheet (Joint Favorable): [PDF](https://www.cga.ct.gov/2026/TS/S/PDF/2026SB-00478-R00HS-CV25-TS.PDF)
- House Roll Call Vote 267 AS AMENDED: [PDF](https://www.cga.ct.gov/2026/VOTE/H/PDF/2026HV-00267-R00SB00478-HV.PDF)
- Senate LCO Amendment #4730 (D): [PDF](https://www.cga.ct.gov/2026/lcoamd/pdf/2026LCO04730-R00-AMD.pdf)
- Senate LCO Amendment #5130 (J): [PDF](https://www.cga.ct.gov/2026/lcoamd/pdf/2026LCO05130-R00-AMD.pdf)
- Senate LCO Amendment #5210 (D): [PDF](https://www.cga.ct.gov/2026/lcoamd/pdf/2026LCO05210-R00-AMD.pdf)
- Senate LCO Amendment #5251 (R): [PDF](https://www.cga.ct.gov/2026/lcoamd/pdf/2026LCO05251-R00-AMD.pdf)
- Senate Roll Call Vote 204: [PDF](https://www.cga.ct.gov/2026/VOTE/S/PDF/2026SV-00204-R00SB00478-SV.PDF)
- Senate Roll Call Vote 205: [PDF](https://www.cga.ct.gov/2026/VOTE/S/PDF/2026SV-00205-R00SB00478-SV.PDF)
- Senate Schedule A LCO# 5414 (J): [PDF](https://www.cga.ct.gov/2026/amd/S/pdf/2026SB-00478-R00SA-AMD.pdf)
- Senate Schedule B LCO# 5427 (R): [PDF](https://www.cga.ct.gov/2026/amd/S/pdf/2026SB-00478-R00SB-AMD.pdf)
- Summary for Public Act No. 26-93: [PDF](https://www.cga.ct.gov/2026/SUM/PDF/2026SUM00093-R02SB-00478-SUM.PDF)

## Related bills

- SB 00475: AN ACT CONCERNING JUDICIAL BRANCH OPERATIONS. (signed)
- SB 00484: AN ACT CONCERNING DISTRACTED DRIVING AND THE SAFE OPERATION OF A MOTOR VEHICLE IN A HIGHWAY WORK ZONE. (signed)
- SB 00488: AN ACT IMPLEMENTING THE TREASURER'S RECOMMENDATIONS FOR REVISIONS TO THE UNCLAIMED PROPERTY PROGRAM AND SECOND INJURY FUND. (signed)
- SB 00444: AN ACT AUTHORIZING CERTAIN MUNICIPAL EMPLOYEES TO SERVE ON MUNICIPAL BOARDS OF FINANCE. (signed)
- SB 00400: AN ACT CONCERNING PROBATE COURT OPERATIONS. (signed)
- SB 00370: AN ACT CONCERNING THE HOURLY COMPENSATION FOR ADJUNCT FIRE INSTRUCTORS. (signed)

## Sources
- [Public Act No. 26-93 (PDF)](https://www.cga.ct.gov/2026/ACT/PA/PDF/2026PA-00093-R00SB-00478-PA.PDF)
- [File No. 370 (PDF)](https://www.cga.ct.gov/2026/FC/PDF/2026SB-00478-R000370-FC.PDF)
- [HS Joint Favorable (PDF)](https://www.cga.ct.gov/2026/TOB/S/PDF/2026SB-00478-R01-SB.PDF)
- [Raised Bill (PDF)](https://www.cga.ct.gov/2026/TOB/S/PDF/2026SB-00478-R00-SB.PDF)
- [Bill Analysis For File Copy 370 (PDF)](https://www.cga.ct.gov/2026/BA/PDF/2026SB-00478-R000370-BA.PDF)
- [Bill Analysis for SB-478, as amended by Senate "A" (PDF)](https://www.cga.ct.gov/2026/BA/PDF/2026SB-00478-R01-BA.PDF)
- [Fiscal Note For File Copy 370 (PDF)](https://www.cga.ct.gov/2026/FN/PDF/2026SB-00478-R000370-FN.PDF)
- [Fiscal Note for Amendment LCO 4730 (Eliminates Fiscal Impact in Bill) (PDF)](https://www.cga.ct.gov/2026/fna/pdf/2026SB-00478-R00LCO04730-FNA.pdf)
- [Fiscal Note for Amendment LCO 5130 (Eliminates Fiscal Impact in Bill) (PDF)](https://www.cga.ct.gov/2026/fna/pdf/2026SB-00478-R00LCO05130-FNA.pdf)
- [Fiscal Note for Amendment LCO 5210 (Eliminates Fiscal Impact in Bill) (PDF)](https://www.cga.ct.gov/2026/fna/pdf/2026SB-00478-R00LCO05210-FNA.pdf)
- [Fiscal Note for Amendment LCO 5251 (Revenue Loss) (PDF)](https://www.cga.ct.gov/2026/fna/pdf/2026SB-00478-R00LCO05251-FNA.PDF)
- [Fiscal Note for Amendment LCO 5414 (Eliminates Fiscal Impact in Bill) (PDF)](https://www.cga.ct.gov/2026/fna/pdf/2026SB-00478-R00LCO05414-FNA.PDF)
- [Fiscal Note for Amendment LCO 5427 (Revenue Loss) (PDF)](https://www.cga.ct.gov/2026/fna/pdf/2026SB-00478-R00LCO05427-FNA.PDF)
- [Fiscal Note for SB-478, As Amended by Senate "A" (LCO 5414) (PDF)](https://www.cga.ct.gov/2026/FN/PDF/2026SB-00478-R01-FN.PDF)
- [HS Joint Fav. Rpt (PDF)](https://www.cga.ct.gov/2026/JFR/S/PDF/2026SB-00478-R00HS-JFR.PDF)
- [HS Vote Tally Sheet (Joint Favorable) (PDF)](https://www.cga.ct.gov/2026/TS/S/PDF/2026SB-00478-R00HS-CV25-TS.PDF)
- [House Roll Call Vote 267 AS AMENDED (PDF)](https://www.cga.ct.gov/2026/VOTE/H/PDF/2026HV-00267-R00SB00478-HV.PDF)
- [Senate LCO Amendment #4730 (D) (PDF)](https://www.cga.ct.gov/2026/lcoamd/pdf/2026LCO04730-R00-AMD.pdf)
- [Senate LCO Amendment #5130 (J) (PDF)](https://www.cga.ct.gov/2026/lcoamd/pdf/2026LCO05130-R00-AMD.pdf)
- [Senate LCO Amendment #5210 (D) (PDF)](https://www.cga.ct.gov/2026/lcoamd/pdf/2026LCO05210-R00-AMD.pdf)
- [Senate LCO Amendment #5251 (R) (PDF)](https://www.cga.ct.gov/2026/lcoamd/pdf/2026LCO05251-R00-AMD.pdf)
- [Senate Roll Call Vote 204 (PDF)](https://www.cga.ct.gov/2026/VOTE/S/PDF/2026SV-00204-R00SB00478-SV.PDF)
- [Senate Roll Call Vote 205 (PDF)](https://www.cga.ct.gov/2026/VOTE/S/PDF/2026SV-00205-R00SB00478-SV.PDF)
- [Senate Schedule A LCO# 5414 (J) (PDF)](https://www.cga.ct.gov/2026/amd/S/pdf/2026SB-00478-R00SA-AMD.pdf)
- [Senate Schedule B LCO# 5427 (R) (PDF)](https://www.cga.ct.gov/2026/amd/S/pdf/2026SB-00478-R00SB-AMD.pdf)
- [Summary for Public Act No. 26-93 (PDF)](https://www.cga.ct.gov/2026/SUM/PDF/2026SUM00093-R02SB-00478-SUM.PDF)

## Related
- [SB 00475: AN ACT CONCERNING JUDICIAL BRANCH OPERATIONS.](https://policyrisk.com/state-bill/CT-SB00475-2026)
- [SB 00484: AN ACT CONCERNING DISTRACTED DRIVING AND THE SAFE OPERATION OF A MOTOR VEHICLE…](https://policyrisk.com/state-bill/CT-SB00484-2026)
- [SB 00488: AN ACT IMPLEMENTING THE TREASURER'S RECOMMENDATIONS FOR REVISIONS TO THE UNCLAI…](https://policyrisk.com/state-bill/CT-SB00488-2026)
- [SB 00444: AN ACT AUTHORIZING CERTAIN MUNICIPAL EMPLOYEES TO SERVE ON MUNICIPAL BOARDS OF…](https://policyrisk.com/state-bill/CT-SB00444-2026)
- [SB 00400: AN ACT CONCERNING PROBATE COURT OPERATIONS.](https://policyrisk.com/state-bill/CT-SB00400-2026)
- [SB 00370: AN ACT CONCERNING THE HOURLY COMPENSATION FOR ADJUNCT FIRE INSTRUCTORS.](https://policyrisk.com/state-bill/CT-SB00370-2026)
- [Connecticut bills](https://policyrisk.com/states/connecticut/bills)
- [Connecticut state hub](https://policyrisk.com/states/connecticut)
- [All state legislation](https://policyrisk.com/state-bills)

Source: PRIA, https://policyrisk.com/state-bill/CT-SB00478-2026 (as of 2026-11-01).