The proposed bill amends various sections of the Code of West Virginia to protect living organ donors from discrimination by insurers regarding life insurance, major medical coverage, disability insurance, and long-term care insurance. It introduces new provisions that make it unlawful for insurers to decline or limit coverage based solely on an individual's status as a living organ donor. The bill also prohibits insurers from imposing conditions that would prevent organ donation as a requirement for maintaining coverage. Additionally, it empowers the Insurance Commissioner to enforce these provisions and address any violations.

Furthermore, the bill includes modifications to existing regulations, such as changing "shall" to "may" in certain contexts to provide more flexibility in the law's application. It also mandates that long-term care insurance policies include specific information in their outlines and summaries, ensuring transparency regarding benefits, exclusions, and terms of coverage. These changes aim to enhance the rights of living organ donors and improve clarity for policyholders, particularly concerning long-term care benefits funded through life insurance.

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