Relating to living organ donors and life insurance, disability insurance, and long-term care insurance

This bill relates to insurance requirements applicable to living organ donors. The bill defines “policy” as a life insurance policy, disability insurance policy, or long-term care insurance policy. A “living organ donor” (donor) is defined as an individual who is not deceased and who has donated all or part of an organ. Under the bill, based solely on an individual’s status as a donor, an insurer shall not: (1) decline or limit coverage under a policy for a covered person that is a donor; (2) as a condition of continued coverage under a policy, preclude a covered person from becoming a living organ donor; or (3) discriminate against a covered person or individual in the offering, issuance, cancellation, coverage amount, price, or any other condition of a policy on the sole basis that the covered person or individual is a donor. The commissioner of insurance shall adopt rules to administer the bill.