Illinois Compiled Statutes 215 ILCS 5/155.46 – Prohibition on denial of coverage or increase in premiums for living organ donors
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(a) As used in this Section:
“Human organ” means all or part of a human’s liver, pancreas, kidney, intestine, lung, blood, plasma, skin, or bone marrow.
“Living organ donor” means an individual who has donated all or part of a human organ and is not deceased.
“Disability insurance policy” means a contract under which an entity promises to pay a person a sum of money if an illness or injury resulting in a disability prevents that person from working.
“Life insurance policy” means a contract under which an entity promises to pay a designated beneficiary a sum of money upon the death of the insured.
“Long-term care insurance policy” means a contract for which the only insurance protection provided under the contract is coverage of qualified long-term care services.
(b) Notwithstanding any other provision of law, it is unlawful to refuse to insure, to refuse to continue to insure, to limit the amount, extent, or kind of coverage available for life insurance, disability insurance, or long-term care insurance to an individual, or to charge an individual a different rate for the same coverage, solely because of the individual’s status as a living organ donor.
(c) With respect to all other conditions, persons who are living organ donors shall be subject to the same standards of sound actuarial principles or actual or reasonably anticipated experience as are persons who are not organ donors.
“Human organ” means all or part of a human’s liver, pancreas, kidney, intestine, lung, blood, plasma, skin, or bone marrow.
Terms Used In Illinois Compiled Statutes 215 ILCS 5/155.46
- Beneficiary: A person who is entitled to receive the benefits or proceeds of a will, trust, insurance policy, retirement plan, annuity, or other contract. Source: OCC
- Contract: A legal written agreement that becomes binding when signed.
- Donor: The person who makes a gift.
- individual: shall include every infant member of the species homo sapiens who is born alive at any stage of development. See Illinois Compiled Statutes 5 ILCS 70/1.36
“Living organ donor” means an individual who has donated all or part of a human organ and is not deceased.
“Disability insurance policy” means a contract under which an entity promises to pay a person a sum of money if an illness or injury resulting in a disability prevents that person from working.
“Life insurance policy” means a contract under which an entity promises to pay a designated beneficiary a sum of money upon the death of the insured.
“Long-term care insurance policy” means a contract for which the only insurance protection provided under the contract is coverage of qualified long-term care services.
(b) Notwithstanding any other provision of law, it is unlawful to refuse to insure, to refuse to continue to insure, to limit the amount, extent, or kind of coverage available for life insurance, disability insurance, or long-term care insurance to an individual, or to charge an individual a different rate for the same coverage, solely because of the individual’s status as a living organ donor.
(c) With respect to all other conditions, persons who are living organ donors shall be subject to the same standards of sound actuarial principles or actual or reasonably anticipated experience as are persons who are not organ donors.