The Living Donor Protection Amendment Act of 2025 aims to safeguard living organ donors from discrimination by insurance companies based on their donor status. The bill introduces definitions for "living organ donor" and "organ," and establishes protections that prohibit life, disability, and long-term care insurance providers from denying, canceling, or refusing coverage, as well as from varying any terms or conditions of insurance policies solely based on an individual's status as a living organ donor. This legislation is particularly significant as it addresses a gap in protections for living organ donors in the District of Columbia, which currently lacks such laws unlike 32 other states.

To implement these protections, the bill amends the Insurance Trade and Economic Development Amendment Act of 2000 by adding new definitions and a specific subsection that outlines the prohibitions against insurance discrimination. The new language clarifies that these protections apply to policies issued after January 1, 2025, ensuring that living organ donors are treated fairly in the insurance market. The bill has been developed in consultation with relevant stakeholders, including the American Kidney Fund and the Department of Insurance, Securities, and Banking, highlighting a collaborative effort to enhance the rights of living organ donors.