This bill amends the Code of West Virginia to prohibit insurers from declining or limiting coverage for individuals under life insurance, major medical coverage, disability insurance, or long-term care insurance solely based on their status as living organ donors. It establishes that insurers cannot discriminate against living organ donors in terms of coverage offerings, policy issuance, or any other conditions related to these insurance policies. The bill also empowers the Insurance Commissioner to enforce these provisions and ensure compliance, thereby enhancing protections for living organ donors in the insurance market.

In addition to these new prohibitions, the bill makes several adjustments to existing legal language to clarify the conditions under which insurers may limit liability and the circumstances that do not apply to group life insurance and other types of coverage. It mandates that outlines of coverage must include detailed descriptions of benefits, exclusions, and terms of policy continuation, while also requiring timely delivery of insurance contracts and monthly reports on long-term care benefits. These amendments aim to promote transparency and clarity in insurance policies, ensuring that policyholders are well-informed about their coverage and rights, particularly regarding long-term care benefits.

Statutes affected:
Introduced Version: 33-13-25, 33-14-8, 33-15-1b, 33-15A-6, 33-25-8, 33-16-11a