Unfair Discrimination Against Organ Donors In Disability Income, Life And Long-term Care Insurance Act
Impact
The bill holds significant implications for state laws governing insurance practices. If enacted, it would amend Title 27 of the General Laws, specifically focusing on disability income, life, and long-term care insurance policies. It emphasizes that insurance providers must use sound actuarial principles rather than donor status to determine premiums and coverage, thus promoting fairness and equal treatment for those who choose to be living donors. The act could potentially increase the willingness of individuals to donate organs, knowing their insurance rights are protected.
Summary
House Bill 5489, titled the 'Unfair Discrimination Against Organ Donors in Disability Income, Life and Long-Term Care Insurance Act', was introduced to address the treatment of living organ donors by insurance companies. The key objective of the bill is to prohibit insurers from denying or canceling insurance coverage, as well as from varying the terms of policies based solely on an individual's status as a living donor. This legislative move aims to protect living donors from unfair discrimination in the insurance market, ensuring that the act of donating an organ does not adversely affect their access to insurance.
Contention
While the bill passed with overwhelming support, with a recorded vote of 70 in favor and none against, it may still attract discussions regarding the implications for insurance companies and their underwriting practices. Proponents argue that this legislation is a step towards equity for organ donors, whereas opponents may raise concerns about the potential increase in insurance claims and the impact this may have on insurance premiums or availability in the long term. Overall, the bill confronts the balance between promoting organ donation and protecting the stability of the insurance market.
A bill for an act relating to living organ donors and life insurance, disability insurance, and long-term care insurance. (Formerly HF 2193.) Effective date: 07/01/2026.
To Allow Leave For Organ Donation For Certain State Employees; And To Prohibit Discrimination Against Individuals Applying For Life Insurance Who Are Organ Donors.
Prohibit an insurer from declining or limiting life, disability, or long-term care insurance policies based solely on an individual's status as a living organ donor.