All Roll Calls
Yes: 178 • No: 0
Sponsored By: Sponsor information unavailable
Became Law
Amends the Mine Subsidence Insurance Article of the Illinois Insurance Code. Makes changes to defined terms. Provides that the moneys in the Illinois Mine Subsidence Insurance Fund shall be derived primarily from premiums for mine subsidence insurance ceded by insurers to the Fund pursuant to the Article and from investment income. In establishing mine subsidence insurance premium rates, provides that the Fund shall give due consideration to factors reasonably considered by an insurer when setting premium rates. Changes terms related to the appointment of directors in provisions concerning management of the Fund and establishes 3-year staggered terms for the directors. Provides that all directors shall be independent and owe a duty of care and duty of loyalty to the Fund. In provisions concerning mine subsidence coverage, provides that the loss covered shall be the loss in excess of any applicable deductible or retention in the policy, subject to the limit of insurance for mine subsidence damage stated in the policy. For all policies issued or renewed on or after January 1, 2027, provides that there shall be no deductible or retention applicable to mine subsidence damage. For all policies issued or renewed on or after the effective date of the amendatory Act, provides that the maximum amount of reinsured loss per residence, per commercial building, and per living unit shall be the amounts established by the Fund and approved by the Director. Provides that the residential and living unit coverage provided under the Article may also cover specified costs of debris removal, moving and storage of contents, and repair or replacement of landscaping. Makes changes in provisions concerning division of the Fund; exemptions; rights of insurers to refuse to provide mine subsidence coverage; arbitration; reinsurance agreements; distribution of premiums; reporting requirements; right of recourse and setoffs; subrogation; and powers of the Director of Insurance.
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8 provisions identified: 3 benefits, 0 costs, 5 mixed.
Since January 1, 1994, the Fund keeps separate Residential and Commercial accounts. Money from one account cannot pay the other's claims. Overhead is split based on written premium. Insurers do not have to pay a reinsured subsidence claim beyond the money available in the right account. If that account is short, your claim payment can be reduced or unpaid.
The law creates the Illinois Mine Subsidence Insurance Fund and lets it operate and contract. An 11‑member board runs the Fund. The Director regulates the Fund, reviews its rates at least every three years, and can examine records and require reports. The Fund must file rates, deductibles, and reinsurance limits; filings are approved after 30 days unless the Director acts, with one 30‑day extension. Insurers must provide data and cooperate with audits.
Beginning January 1, 1994, policies for homes, living units, and commercial buildings include mine subsidence coverage by default with a separate premium. You can remove it only by signing a written waiver. If you waived it before, your insurer sends a written notice about the coverage at each renewal. In counties with 1,000,000+ people and nearby counties, the Director exempts policies from the automatic add, but insurers must still offer coverage on request. The Fund keeps a list of exempt counties.
Insurers may refuse subsidence coverage if a building shows unrepaired subsidence damage, until it is repaired. If the Fund confirms an ongoing subsidence loss, the insurer must mail you a separate notice within 60 days. The notice explains that keeping subsidence coverage may not be necessary and is optional after that point.
Subsidence coverage can pay for debris removal, moving and storage, and landscaping if needed to make covered repairs and actually incurred. If your main policy covers extra living costs, those can also be paid within your limit. All damage from a single or continuous event counts as one occurrence. The Fund reimburses only up to the reinsured amount in force when the damage first became reasonably observable.
The Fund sets the premium for mine subsidence coverage. For policies issued or renewed on or after January 1, 2027, the deductible or retention is $0. For policies on or after January 1, 1996, minimum Fund reinsurance is $200,000 per residence or commercial building, and $15,000 per living unit. For policies on or after January 1, 2008, the Fund sets the maximum per property, subject to Director approval.
The Fund publishes an annual report. It makes at least two consumer guides explaining subsidence risks, claims, and coverage, and sets how they are shared with policyholders. The Fund may sponsor research to cut losses and improve how the program runs.
Insurers must sign the Fund’s approved reinsurance agreement and cede 100% of subsidence insurance up to set limits. The Fund can reinsure intergovernmental self‑insurance pools on similar terms. The Fund sets a uniform ceding commission insurers may keep and insurers must send the rest of premiums to the Fund. Policy forms protect recovery rights after a loss, and the Fund can take over subrogation and receive recoveries.
There is no primary sponsor on record.
Amy Elik
Affiliation unavailable
Anthony DeLuca
Affiliation unavailable
Christopher Belt
Affiliation unavailable
Erica Harriss
Affiliation unavailable
Jawaharial Williams
Affiliation unavailable
Jay Hoffman
Affiliation unavailable
Jeff Keicher
Affiliation unavailable
All Roll Calls
Yes: 178 • No: 0
Senate vote • 5/14/2026
Third Reading - Passed;
Yes: 58 • No: 0
House vote • 4/9/2026
Third Reading - Short Debate - Passed
Yes: 106 • No: 0
House vote • 3/24/2026
Do Pass as Amended / Short Debate Insurance Committee;
Yes: 14 • No: 0
Public Act . . . . . . . . . 104-0519
Effective Date January 1, 2027
Governor Approved
Sent to the Governor
Passed Both Houses
Third Reading - Passed; 058-000-000
Placed on Calendar Order of 3rd Reading May 5, 2026
Second Reading
Placed on Calendar Order of 2nd Reading April 28, 2026
Approved for Consideration Assignments
Added as Alternate Co-Sponsor Sen. Erica Harriss
Referred to Assignments
First Reading
Chief Senate Sponsor Sen. Christopher Belt
Placed on Calendar Order of First Reading
Arrive in Senate
Third Reading - Short Debate - Passed 106-000-000
Placed on Calendar Order of 3rd Reading - Short Debate
Second Reading - Short Debate
Added Co-Sponsor Rep. Amy Elik
Placed on Calendar 2nd Reading - Short Debate
Added Co-Sponsor Rep. Jeff Keicher
Added Co-Sponsor Rep. Jawaharial Williams
Added Co-Sponsor Rep. Anthony DeLuca
Do Pass as Amended / Short Debate Insurance Committee; 014-000-000
Engrossed
Enrolled
House Amendment 1
Introduced
SB3213, ELECTRONIC PRESCRIPTIONS
Amends the Pharmacy Practice Act. Provides that prescriptions for drugs in Schedule II of the Illinois Controlled Substances Act may be transferred only once and may not be further transferred, consistent with federal regulations. Amends the Illinois Controlled Substances Act. Provides that the prescriber shall not be required to issue prescriptions electronically if the prescriptions need to be filled outside of typical retail pharmacy operating hours or may be difficult to obtain because of drug shortages or pharmacy inventory limitations. Effective immediately.
SB2951, MORTGAGE FORECLOSURE TIME
Amends the Code of Civil Procedure. Provides that any indebtedness of any kind that is secured by a mortgage or deed of trust in the nature of a mortgage has a 10-year period to commence an action. Amends the Probate Act of 1975. Provides that in any proceeding to sell or mortgage real estate, if the secured creditors cannot be satisfied in full, then the court shall not direct the sale without the secured creditors' approval to accept partial satisfaction; and if the secured creditors cannot be satisfied in full, a sale of the property is not considered necessary for the proper administration of the estate. Effective immediately.
SB3465, CONSTRUCTION-SANITARY REQS
Amends the Construction Site Temporary Restroom Facility Act. Changes the Act's short title to the Construction Site Temporary Restroom Facility and Sanitary Conditions for Menstruation and Lactation Act. Repeals a provision which specifies that separate toileting facilities are not required for males and females if individual portable toilet facilities are used by an owner of a portable building or building under construction to provide access to a restroom. Provides that, if a woman or an individual who menstruates is present on a work site and there are 10 or more workers of any gender at the work site, then a separate toilet facility shall be provided at the work site and designated for use by women and individuals who menstruate. Requires employers in the construction industry to provide their workers who menstruate and are performing construction activities on a work site with minimum sanitary conditions. Describes the required minimum sanitary conditions. Requires employers in the construction industry, upon request, to provide their workers who are lactating and performing construction activities on a work site with reasonable accommodations needed to express breast milk. Describes reasonable accommodations for lactation. Provides that, on or before January 1, 2027, the Department of Public Health shall provide guidance to employers on the accommodations to be provided. Authorizes employees of construction sites to call the certified local public health agency with jurisdiction over a construction site to request an inspection if noncompliance with the Act is suspected. Prohibits retaliation by employers if a call is made by an employee on a construction site for suspected noncompliance with the Act. Provides that any owner who fails or refuses to comply with the provisions of the Act commits a petty offense and is subject to a fine to be determined by the certified local public health agency (rather than only being subject to a petty offense). Defines "employer". Effective immediately.
SB3211, TELEDENTISTRY EXAMINATIONS
Amends the Illinois Dental Practice Act. In provisions concerning teledentistry, provides that an initial examination for new patients, excluding patients seeking orthodontic treatment, may be conducted through teledentistry if the authorizing dentist establishes a bona fide dentist-patient relationship by reviewing the patient's medical and dental history and verifying both the patient's identity and physical location to ensure that dental care is being administered within the State. Provides that an initial examination for orthodontia treatment shall be performed in person only. Requires an in-person clinical examination to be performed immediately before providing or authorizing services or treatments to patients that are not reversible. Provides that, for ongoing dentist-patient relationships, dentists shall strongly encourage patients to be seen in person at least annually. Makes other changes.
SB3707, VISION BENEFIT MANAGERS
Amends the Illinois Insurance Code. Creates the Vision Benefit Managers Article. Beginning on July 1, 2026, requires a vision benefit manager to be registered with the Department of Insurance, as specified, to conduct business in the State. Requires amounts collected under provisions concerning vision benefit manager registration requirements to be deposited into the Low-Income Student Vision Examination Fund, which is created as a special fund in the State treasury. Grants the Director or the Director's designee the authority to examine a registered vision benefit manager related to all of its lines of business. Amends the Vision Care Plan Regulation Act. Changes the name of the Act to the Vision Benefit Manager Regulation Act. Establishes the legislative intent of the Act. Makes changes to defined terms. Throughout the Act, replaces references to vision care plans with vision benefit plans and vision benefit discount plans and vision care organizations with vision benefit managers. Sets forth provisions concerning required actions for noncovered services; fee schedules for eye care providers; reimbursement paid by a vision benefit manager to an eye care provider; application of the Act to a specified limited health service organization; an eye care provider's choice of vendors and affiliations; the modification of a plan; audits of an eye care provider; prohibited conduct impacting patient access and choice; credentialing; termination of agreements; prohibition on security interests; arbitration costs; nonretaliation; and private rights of action. Amends the Consumer Fraud and Deceptive Business Practices Act and the State Finance Act to make conforming changes. Effective January 1, 2027.
SB3403, PEN CD-BD OF INVESTMENT AUDIT
Amends the Investment Board Article of the Illinois Pension. Provides that, if the Illinois State Board of Investment has not received a required audit opinion by December 15, the Board shall not be considered in violation of a provision requiring an annual report to each pension fund, retirement system, or education fund under the Board's jurisdiction within 6 months after the close of each fiscal year. Effective immediately.