An Act Concerning Living Organ Donor Insurance Discrimination.
If enacted, HB 5548 would signify an important legislative step towards more inclusive insurance practices in Connecticut. By stating that discrimination against living organ donors constitutes a violation of the Connecticut Unfair Insurance Practices Act, the bill strengthens protections for organ donors and ensures their status does not negatively affect their access to essential insurance products. This would likely encourage more individuals to consider living organ donation without the fear of financial repercussions stemming from their choice.
House Bill 5548, introduced by Representatives Exum and Currey, aims to prevent discrimination against individuals who are living organ donors within the context of insurance policies. The bill proposes amendments to title 38a of the Connecticut General Statutes, which governs insurance practices in the state. Specifically, it prohibits insurers from making any distinctions or discriminating against an individual solely because that person is a living organ donor. This applies to life insurance, long-term care insurance, and policies providing disability income coverage.
The bill addresses a significant area of concern regarding the treatment of living organ donors by insurance companies. The potential for discrimination against these individuals has raised ethical questions about fairness and equity in the insurance industry. Proponents of the bill argue that protecting donors from discrimination is crucial for promoting organ donation, which is critical for saving lives. As living organ donor rates are relatively low, ensuring these individuals are not penalized by insurance providers could lead to improved rates of organ donation and ultimately support the health needs of many patients requiring transplants.