Connecticut 2019 Regular Session

Connecticut House Bill HB07262 Compare Versions

Version 1 (Old)

Version 2 (New)

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7	5		General Assembly Raised Bill No. 7262
8	6		January Session, 2019
9	7		LCO No. 4584
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11	9
12		-	Referred to Committee on INSURANCE AND REAL
13		-	ESTATE
	10	+	Referred to Committee on INSURANCE AND REAL ESTATE
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15	12
16	13		Introduced by:
17	14		(INS)
	15	+
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21	19		AN ACT CONCERNING TH E USE OF GENETIC INFORMATION AND
22	20		TESTING BY LIFE INSURANCE COMPANIES.
23	21		Be it enacted by the Senate and House of Representatives in General
24	22		Assembly convened:
25	23
26	24		Section 1. (NEW) (Effective October 1, 2019) (a) For the purposes of 1
27	25		this section: 2
28	26		(1) "Genetic information" means any information concerning the 3
29	27		genes, gene products or inherited characteristics of an individual; and 4
30	28		(2) "Genetic testing" means any service or procedure that is used to 5
31	29		collect genetic information concerning an individual. 6
32	30		(b) No life insurance company doing business in this state shall: 7
33	31		(1) Request or require, directly or indirectly, an individual or a 8
34	32		member of an individual's family to undergo genetic testing, or reveal 9
35	33		the results of any genetic testing concerning such individual or family 10
36	34		member, as a precondition to (A) accepting an application for life 11
37	35		insurance coverage or an annuity contract in this state, or (B) 12
38	36		delivering, issuing for delivery or renewing a life insurance policy or 13 Raised Bill No. 7262
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45	42		annuity contract in this state; or 14
46	43		(2) Deny or refuse to accept an application for life insurance 15
47	44		coverage or an annuity contract, refuse to renew, cancel, rescind, 16
48	45		restrict or otherwise terminate a life insurance policy or annuity 17
49	46		contract, or make any distinction or discrimination between 18
50	47		individuals as to the premiums or rates charged for life insurance 19
51	48		policies or in the dividends and other benefits payable on such policies 20
52	49		and annuity contracts in this state on the basis of genetic information. 21
53	50		Sec. 2. Subdivision (9) of section 38a-816 of the general statutes is 22
54	51		repealed and the following is substituted in lieu thereof (Effective 23
55	52		October 1, 2019): 24
56	53		(9) Any violation of any one of sections 38a-358, 38a-446, 38a-447, 25
57	54		38a-488, 38a-825, 38a-826, 38a-828, [and] 38a-829 and section 1 of this 26
58	55		act. None of the following practices shall be considered discrimination 27
59	56		within the meaning of section 38a-446 or 38a-488 or a rebate within the 28
60	57		meaning of section 38a-825: (A) Paying bonuses to policyholders or 29
61	58		otherwise abating their premiums in whole or in part out of surplus 30
62	59		accumulated from nonparticipating insurance, provided any such 31
63	60		bonuses or abatement of premiums shall be fair and equitable to 32
64	61		policyholders and for the best interests of the company and its 33
65	62		policyholders; (B) in the case of policies issued on the industrial debit 34
66	63		plan, making allowance to policyholders who have continuously for a 35
67	64		specified period made premium payments directly to an office of the 36
68	65		insurer in an amount which fairly represents the saving in collection 37
69	66		expense; and (C) readjustment of the rate of premium for a group 38
70	67		insurance policy based on loss or expense experience, or both, at the 39
71	68		end of the first or any subsequent policy year, which may be made 40
72	69		retroactive for such policy year. 41
73	70		This act shall take effect as follows and shall amend the following
74	71		sections:
75	72
76		-	Section 1 October 1, 2019 New section Raised Bill No. 7262
	73	+	Section 1 October 1, 2019 New section
	74	+	Sec. 2 October 1, 2019 38a-816(9) Raised Bill No. 7262
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83		-	~~Sec~~. ~~2 October 1,~~ ~~2019 38a-816(9)~~
	78	+	LCO No. 4584 3 of 3
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85		-	INS Joint Favorable
	80	+
	81	+	Statement of Purpose:
	82	+	To prohibit life insurance companies doing business in this state from
	83	+	requiring genetic testing, or using genetic information, in connection
	84	+	with life insurance policies and annuity contracts in this state.
	85	+	[Proposed deletions are enclosed in brackets. Proposed additions are indicated by underline,
	86	+	except that when the entire text of a bill or resolution or a section of a bill or resolution is new, it is
	87	+	not underlined.]
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