Only a few states' statutes on genetic discrimination in insurance specifically apply to disability income insurance. See, e.g., Ariz. Rev. Stat. Ann. §
20–
448 (
2006); Cal. Ins. Code §§ 10146–10149.1 (West 2006) (requiring informed consent before genetic tests are conducted for disability insurance underwriting); Ky. Rev. Stat. Ann. § 304.12–085(3) (West
2006) (providing that disability insurers may not request genetic information, but not specifying that such insurers may not use already obtained genetic information for disability insurance purposes); Me. Rev. Stat. Ann. tit. 24-A, § 2159-C(3) (
2006) (allowing insurers to use genetic information for disability insurance, but not permitting unfair discrimination based on that information); Mont. Code Ann. § 33-18-903(3) (
2005); Vt. Stat. Ann. tit. 18, §§ 9331, 9934 (
2006). In some states it is unclear whether genetic discrimination laws apply to disability income insurance. See, e.g., Mich. Comp. Laws § 500.3407b (
2006); N.J. Stat. Ann. § 17B:30–12(F) (West
2006) (explaining that unfair discrimination includes the “application of the results of a genetic test [in a manner] not reasonably related to anticipated claim experience”); Wyo. Stat. § 26-19-107 (
2006) (addressing genetic information's use in group policies, but not individual policies). However, there are many states that specifically exclude disability income insurance from their coverage. See, e.g., Ark. Code. Ann. § 23-66-320 (West
2006); Colo. Rev. Stat. Ann. § 10-3-1104.7 (West 2006); Conn. Gen. Stat. §§ 38(A).816, 38(A).469 (
2006); Del. Code. Ann. Tit.18, § 2317 (
2006); Fla. Stat. Ann. § 627.4301(2)(C) (West 2006); Ga. Code Ann. § 33-54-7 (West 2006); Haw. Rev. Stat. § 431:10A-118 (
2005); Idaho Code Ann. § 41–2221 (
2006); Ind. Code Ann. § 27-8-26-1 (West
2006); Kan. Stat. Ann. § 40–2259(C) (
2005); La. Rev. Stat. Ann. § 22:213.7(G) (
2006); Md. Code Ann. [Ins.] § 27–909 (West
2006); Minn. Stat. §§ 62A.011, 72A.139 (
2006); Mo Rev. Stat. §375.1303 (
2006); Neb. Rev. Stat. § 44–787 (
2005); N.H. Rev. Stat. Ann. §§ 141-H:1, 3, 4 (
2006); N.M. Stat. Ann. § 24-21-3 (West
2006); N.C. Gen. Stat. § 58-3-215 (
2006); N.Y. Ins. Law. § 2615 (McKinney
2006); Okla. Stat. Ann. Tit. 36, § 3614.1 (
2006); Or. Rev. Stat. §§ 746.135, 192.531 (West
2005); R.I. Gen. Laws §§ 27-18-52, 27-18-52.1 (
2005); S.C. Code Ann. § 38-93-20 (
2005); S.D. Codified Laws §§ 58-1-24, 58-1-25, 58-18-87 (
2006); Texas Ins. Code Ann. § 21.73 (Vernon
2006); Va. Code Ann. § 38.2–508.4 (
2006); Wis. Stat. §§ 632.749, 631–89(3) (
2005).
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