Genetic testing in group disability, long-term care, life, and individual disability insurance
Colorado genetic testing (other insurance)
Genetic
Genetic test information is confidential and privileged and may be released for non-treatment purposes only with written consent. Group disability and long-term care insurers may not use it for underwriting, and life and individual disability insurers need specific written informed consent before requiring or performing a genetic test.
- Where
- Colorado
- Citation
- C.R.S. 10-3-1104.7
- Status
- In force
- In force since
- 1994-06-02
- Last amended
- 2009-07-01
- Enforced by
- Colorado Commissioner of Insurance (Division of Insurance); private suits
- People can sue
- Yes
- Penalties
- Unfair insurance practice (10-3-1104.7(11)); injured individuals may sue for remedies under 10-3-1104.7(12).
- Applies to
- Entities providing group disability or long-term care insurance; insurers issuing life or individual disability insurance (limited requirements) (10-3-1104.7(2), (10))
Practices it requires
- Treat genetic testing information as confidential; release identifying results for non-treatment purposes only with the tested person's specific written consent.C.R.S. 10-3-1104.7(3)(a)
- Group disability and long-term care insurers may not seek, use, or keep genetic testing information for nontherapeutic or underwriting purposes.C.R.S. 10-3-1104.7(3)(b)
- Life and individual disability insurers may not require or perform a genetic test without specific written informed consent of the subject.C.R.S. 10-3-1104.7(10)(a)
Sources
- Official text
- Colorado Revised Statutes 2024, Title 10 (Office of Legislative Legal Services, leg.colorado.gov)
Checked against these sources on 2026-09-25 by research agent (Claude), primary sources.
Unverified: Damages amounts in 10-3-1104.7(12) were not read in full.
Research reference, not legal advice.