H.R. 3503: Kidney Donation Anti-Discrimination Act
This bill, known as the Kidney Donation Anti-Discrimination Act, aims to protect living kidney donors from discrimination by life insurance providers. It establishes specific guidelines regarding how these providers can treat individuals who have donated a kidney while obtaining or managing life insurance policies.
Key Provisions
- Prohibition on Discrimination: The bill makes it illegal for life insurance companies to discriminate against someone solely because they are a living kidney donor. This discrimination could occur in various ways, including offering, issuing, cancelling, or determining the price and conditions of life insurance policies, or affecting the amount of coverage provided.
- Requirement for Additional Evidence: Life insurance providers can only impose restrictions or increased premiums based on actuarial risks that are unrelated to the individual's status as a kidney donor. This requirement protects donors from being treated unfairly simply due to their donation.
- Private Right of Action: If an individual believes they have been discriminated against under this bill, they are allowed to file a legal claim in their local district court. They may seek damages and reimbursement for attorney’s fees related to the discrimination they experienced.
- State and Local Law Interaction: The bill clarifies that states and localities can enact their own laws that offer greater protection to kidney donors than what this bill provides. This means that existing protections are not overridden by this federal legislation.
Definitions
- Life Insurance Policy: This term refers to a contract where a life insurance company agrees to pay a specified amount to a beneficiary upon the death of the insured person.
- Living Kidney Donor: This description applies to someone who has willingly given a kidney and is alive at the time of reference.
Purpose
The primary goal of this legislation is to encourage more individuals to consider donating a kidney by alleviating fears that their decision may lead to negative consequences in terms of life insurance coverage. By prohibiting discrimination, it hopes to create a fairer environment for living kidney donors.
Relevant Companies
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Sponsors
5 bill sponsors
Actions
2 actions
| Date | Action |
|---|---|
| May. 19, 2025 | Introduced in House |
| May. 19, 2025 | Referred to the House Committee on Financial Services. |
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