Florida Senate - 2022 CS for SB 1026 By the Committee on Banking and Insurance; and Senator Cruz 597-02089-22 20221026c1 1 A bill to be entitled 2 An act relating to living organ donors in insurance 3 policies; creating s. 626.97075, F.S.; defining the 4 term policy; prohibiting insurers under specified 5 policies from declining or limiting coverages and 6 discriminating against persons based solely on their 7 status as living organ donors, and from precluding 8 insureds from donating organs; authorizing the 9 Financial Services Commission to adopt rules and take 10 actions to enforce specified laws; providing an 11 effective date. 12 13 Be It Enacted by the Legislature of the State of Florida: 14 15 Section 1.Section 626.97075, Florida Statutes, is created 16 to read: 17 626.97075Life insurance, disability insurance, and long 18 term care insurance; discrimination against living organ donors 19 prohibited. 20 (1)As used in this section, the term policy means any of 21 the following: 22 (a)An individual or group life insurance policy. 23 (b)An industrial life insurance policy, as the term 24 industrial life insurance is defined in s. 627.502(1). 25 (c)A credit life insurance or credit disability insurance 26 policy, as defined in s. 627.677(1) and (2), respectively. 27 (d)A long-term care insurance policy as defined in s. 28 627.9404(1). 29 (2)Notwithstanding any other law, an insurer may not, 30 under a policy: 31 (a)Decline or limit coverage of a person solely due to his 32 or her status as a living organ donor; 33 (b)Preclude an insured from donating all or part of an 34 organ as a condition to continuing to receive coverage under the 35 policy; or 36 (c)Otherwise discriminate in the offering, issuance, 37 cancellation, coverage, premium, or any other condition of the 38 policy for a person without any additional actuarial risk and 39 based solely on his or her status as a living organ donor. 40 (3)The commission may adopt rules and take actions 41 necessary to enforce this section. 42 Section 2.This act shall take effect July 1, 2022.