Living Donor Protection Act of 2025
This bill prevents insurance companies from denying, canceling, or raising the price of life, disability, or long-term care insurance policies solely because someone is a living organ or bone marrow donor. It also explicitly covers organ donation under the Family and Medical Leave Act, guaranteeing that eligible private and federal workers can take job-protected time off for testing, surgery, and recovery. Additionally, federal health agencies must update public websites and materials within six months to inform the public about donor rights, risks, and benefits.
What this bill touches.
Who it helps · who it burdens.
Who it helps
- Living organ and bone marrow donorsCannot be denied, dropped from, or charged higher premiums for life, disability, or long-term care insurance solely due to donor status without material actuarial risk (Sec. 2(a)), and gain protected FMLA leave for donation, preparation, and recovery (Sec. 3(a), 3(b)).
Who it burdens
- Employers subject to the Family and Medical Leave ActMust provide job-protected FMLA leave to eligible employees for organ donation, preparation, and surgical recovery (Sec. 3(a)).
- Life, disability, and long-term care insurance companiesAre prohibited from denying or canceling coverage, or charging higher premiums for life, disability, or long-term care insurance solely based on a person's status as a living donor without unique and material actuarial risk (Sec. 2(a)).
- Department of Health and Human ServicesMust review and update public educational materials, websites, and public service announcements within six months to include information on living organ donation and legal protections for donors (Sec. 4).
The provisions, in plain language.
Prohibits insurance companies from denying, canceling, or limiting life, disability, or long-term care insurance coverage, or charging higher premiums, based solely on a person being a living organ or bone marrow donor without specific actuarial risk.
Expands Family and Medical Leave Act (FMLA) protections to include organ donation, preparation, and recovery as qualifying medical conditions for unpaid, job-protected leave.
Extends FMLA leave protections for organ donation to federal civil service employees and allows them to use available paid organ donor leave during that time.
Requires the Department of Health and Human Services to update public educational resources, websites, and public service announcements within six months to include information on living organ donation and legal protections for donors.