What does Preamble of S 1552 do?

This bill, formally titled the Living Donor Protection Act of 2025, aims to promote and protect living organ donors from discrimination. It prohibits insurers from denying coverage, canceling coverage, or varying terms and conditions of life, disability, or long-term care insurance policies based solely on an individual's status as a living organ donor, without actual, unique, and material actuarial risks. The bill clarifies that organ donation surgery qualifies as a serious health condition under the Family and Medical Leave Act (FMLA) for both private sector and federal civil service employees. It directs the Secretary of Health and Human Services to review and update public educational materials on living organ donation, including information on the benefits, risks, and impact on insurance access.

What does SHORT TITLE. of S 1552 do?

This bill is formally titled the Living Donor Protection Act of 2025.

What does PROHIBITION ON DENIAL OF COVERAGE OR INCREASE IN PREMIUMS OF of S 1552 do?

This section prohibits insurers from denying coverage, canceling coverage, refusing to issue, determining premiums, or varying terms and conditions of life, disability, or long-term care insurance policies based solely on a person's status as a living organ donor. State insurance regulators are authorized to enforce this prohibition, within the scope of their state laws. The definition of 'living organ donor' includes individuals who have donated organs or bone marrow as defined in the National Organ Transplant Act and the Public Health Service Act, and who are not deceased. The definition of 'disability insurance policy' is a contract promising payment if illness or injury prevents work. A 'life insurance policy' is defined as a contract promising payment to a beneficiary upon the insured's death. A 'long-term care insurance policy' is defined as a contract providing coverage for qualified long-term care services.

What does CLARIFICATION OF ORGAN DONATION SURGERY AS QUALIFYING AS A of S 1552 do?

This section amends the Family and Medical Leave Act (FMLA) to clarify that organ donation, preparation for, and recovery from surgery related to organ donation are considered serious health conditions. The amendment applies to private sector and certain public sector employees under Section 101(11) of the FMLA. It also amends Section 6381(5) of Title 5, United States Code, to include organ donation activities within the definition of a serious health condition for federal civil service employees. Federal civil service employees who use FMLA leave for organ donation may substitute available leave under section 6327(b)(2) for as much of the 12-week period as possible.

What does UPDATING OF EDUCATIONAL MATERIALS ON LIVING ORGAN DONATION. of S 1552 do?

This section requires the Secretary of Health and Human Services, in coordination with the Secretary of Labor, to review and update educational activities and materials related to living organ donation. The review and update must occur within 6 months of the Act's enactment. The updated materials should include information regarding the requirements under section 2 and the amendments made by section 3. The Secretary may issue public service announcements or update websites to disseminate information about living organ donation.

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Living Donor Protection Act of 2025 — S. 1552

Last updated: 3/11/2026 · Introduced: 5/1/2025

Author: Tom Cotton (R-AR)

TL;DR (AI)

This bill prohibits insurance companies from denying, canceling, or changing the terms of life, disability, or long-term care insurance policies based solely on an individual's status as a living organ donor.
The bill clarifies that organ donation surgery and related recovery qualify as a 'serious health condition' under the Family and Medical Leave Act (FMLA) for both private and federal employees.
It mandates a review and update of public educational materials on living organ donation, including information on insurance protections and FMLA rights.

119th Congressin committeeHR. 4583(In Committee)Official page

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Includes provisions on preamble, short title., and 3 more.

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