This bill amends various sections of the Code of West Virginia to prohibit insurers from discriminating against individuals who are living organ donors in terms of life insurance, major medical coverage, disability insurance, or long-term care insurance. It specifically makes it unlawful for insurers to decline or limit coverage based solely on a person's status as a living organ donor. The bill also empowers the Insurance Commissioner to enforce these provisions and take necessary actions to ensure compliance. Additionally, it clarifies that insurers cannot impose conditions that preclude individuals from donating organs in order to maintain their insurance policies.

Furthermore, the bill includes updates to long-term care insurance requirements, mandating that outlines of coverage provide detailed descriptions of benefits, exclusions, and terms for continuation or discontinuation of the policy. It requires policyholders to receive monthly reports while long-term care benefits are being paid and ensures that any advertised long-term care insurance complies with the new provisions. The bill also introduces a requirement for group policies to ensure that coverage cannot be limited based on the status of a living organ donor, thereby reinforcing protections for this vulnerable group.

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