Kidney Donation Anti-Discrimination Act

This bill protects people who have donated a kidney from being treated unfairly by life insurance companies. An insurer can’t deny you a policy, cancel it, charge you more, change the terms, or lower your coverage just because you’re a living kidney donor—unless they have proof of other risks that aren’t related to your donation.

If a company breaks these rules and you’re harmed, you can sue in federal court to recover money damages and attorney’s fees. States can still have stronger protections; this bill doesn’t replace tougher state laws. A “life insurance policy” is defined as a contract that pays a set amount to your beneficiary when you die, and a “living kidney donor” is someone who has donated a kidney and is still alive.

• Who is affected: People who have donated a kidney and buy life insurance
• What changes: Life insurers can’t discriminate based only on donor status without unrelated, proven risk; donors can take violators to court for damages and fees
• State laws: Stronger state protections remain in place and are not overridden