Section 1 Short title
This Act may be cited as the “Living Donor Protection Act of 2021”.
Living Donor Protection Act of 2021
A BILL
To promote and protect from discrimination living organ donors.
Sec. 2 Prohibition on denial of coverage or increase in premiums of life or disability insurance for living organ donors
Prohibition— Notwithstanding any other provision of law, it shall be unlawful to—
decline or limit coverage of a person under any life insurance policy, disability insurance policy, or long-term care insurance policy, solely due to the status of such person as a living organ donor;
preclude an insured from donating all or part of an organ as a condition of continuing to receive a life insurance policy, disability insurance policy, or long-term care insurance policy; or
otherwise discriminate in the offering, issuance, cancellation, amount of such coverage, price, or any other condition of a life insurance policy, disability insurance policy, or long-term care insurance policy for a person, based solely and without any additional actuarial risks upon the status of such person as a living organ donor.
Enforcement— A State insurance regulator may take such actions to enforce subsection (a) as are specifically authorized under the laws of such State.
Definitions— In this section:
Disability insurance policy— The term disability insurance policy means a contract under which an entity promises to pay a person a sum of money in the event that an illness or injury resulting in a disability prevents such person from working.
Life insurance policy— The term life insurance policy means a contract under which an entity promises to pay a designated beneficiary a sum of money upon the death of the insured.
Living organ donor— The term living organ donor means an individual who has donated all or part of an organ and is not deceased.
Long-term care insurance policy— The term long-term care insurance policy means a contract for which the only insurance protection provided under the contract is coverage of qualified long-term care services (as defined in section 7702B(c) of the Internal Revenue Code of 1986).
Sec. 3 Clarification of organ donation surgery as qualifying as a serious health condition under FMLA
Private sector employees— Section 101(11) of the Family and Medical Leave Act of 1993 (29 U.S.C. 2611(11)) is amended by inserting “(including recovery from surgery related to organ donation)” after “physical or mental condition”.
Federal civil service employees—
Definition— Section 6381(5) of title 5, United States Code, is amended by inserting “(including recovery from surgery related to organ donation)” after “physical or mental condition”.
Relationship to organ donor leave— Section 6382(d)(1) of title 5, United States Code is amended by adding at the end the following: “An employee who takes any part of the 12-week period of leave under subsection (a)(1) to serve as an organ donor (including recovery from surgery related to organ donation) shall substitute, for as much of that part as possible, any leave available to the employee under section 6327.”.
Sec. 4 Updating of educational materials on the benefits and risks of living organ donation
Educational materials—
Review and updating— Not later than 6 months after the date of enactment of this Act, the Secretary of Health and Human Services (in this section referred to as the “Secretary”) shall review and update materials related to living organ donation in order to educate the public on—
the benefits and risks of living organ donation; and
the impact of living organ donation on the access of a living organ donor to insurance.
Information on statutory changes— Such updating shall include information on the changes made by sections 2 and 3 of this Act.
Methods of updating— In carrying out subsection (a), the Secretary shall update, as appropriate—
Public Service Announcements previously provided by the Secretary;
publicly accessible websites (such as organdonor.gov, or a successor website) that are maintained by the Secretary and that contain information and resources regarding living organ donation; and
other media determined appropriate by the Secretary.