S. 1552 · Where this bill is now
In committee
Introduced in the Senate, May 1, 2025
What this bill does
In plain words · AI-written from the official summaryProtects living organ donors from insurance penalties
This bill stops insurance companies from punishing people who donate organs while alive. It prevents life insurance, disability insurance, and long-term care insurance carriers from denying coverage, raising premiums, or adding restrictions to policies just because someone is a living organ donor. The bill also makes sure that people recovering from organ donation surgery are eligible for job-protected medical leave, and requires the Department of Health and Human Services to update educational materials about living donation to include information on benefits, risks, and insurance access.
How it affects you
If you're thinking about becoming a living organ donor, this bill protects you from insurance companies treating you differently because of your donation. People who donate organs won't have to worry about being denied coverage, charged more, or facing other insurance penalties. Employees recovering from organ donation surgery also gain the right to medical leave without losing their jobs.
Read the official summary (Introduced in Senate, May 1, 2025)
Living Donor Protection Act of 2025
This bill prohibits life insurance, disability insurance, and long-term insurance carriers from denying or otherwise restricting coverage for living organ donors.
Specifically, carriers may not deny, cancel, vary premiums, or otherwise impose conditions on policies based on an individual's status as a living organ donor.
The bill also expressly specifies that recovery from organ-donation surgery constitutes a serious health condition that entitles eligible employees to job-protected medical leave.
In addition, the Department of Health and Human Services must update educational materials on living organ donation to include information about the benefits and risks of living organ donation and the impact of donation on insurance access, particularly with respect to the bill's changes.
Written by AI (Claude) using only the official summary by the Congressional Research Service, the Library of Congress’s nonpartisan research staff. It can miss nuance, so check the official summary and the bill text for details.
1st SessionS. 1552
A BILL
Living Donor Protection Act of 2025
Sponsor: Sen. Tom Cotton (R-AR) · Introduced May 1, 2025 · Health · 2 versions of the text
Sources: Congress.gov actions and votes · bill text from GovInfo · latest official action Mar 11, 2026: “Placed on Senate Legislative Calendar under General Orders. Calendar No. 352.”
Sections
The wording of this bill hasn’t changed across its 2 official versions.
Sections · 4
- Sec. 1Short titleNo change
- Sec. 2Prohibition on denial of coverage or increase in premiums of life or disability insurance for living organ donorsNo change
- Sec. 3Clarification of organ donation surgery as qualifying as a serious health condition under FMLANo change
- Sec. 4Updating of educational materials on the benefits and risks of living organ donationNo change