H.R.3576 - Veterans’ Life Insurance Expansion and Integrity Act of 2025 (119th Congress)
Summary
H.R.3576, the Veterans' Life Insurance Expansion and Integrity Act of 2025, aims to improve and expand life insurance options for veterans. The bill broadens eligibility for the Department of Veterans Affairs (VA) life insurance program by removing the 'service-disabled' requirement and raising the age limit for application. It also addresses administrative errors in insurance contracts, providing a process for review and correction.
Expected Effects
The bill will likely increase the number of veterans eligible for VA life insurance, providing them with greater financial security. It also introduces measures to protect veterans from losing their insurance coverage due to administrative errors made by the VA. A report on the program's solvency and cost savings will be required two years after enactment.
Potential Benefits
- Expanded access to life insurance for more veterans, regardless of service-connected disability status.
- Increased age limit for application, allowing older veterans to obtain coverage.
- Protection against loss of insurance due to VA administrative errors through a review process.
- Enhanced transparency and accountability through a required report on the program's performance and financial stability.
- Potential cost savings to the government through the correction of administrative errors.
Potential Disadvantages
- Potential strain on the VA's resources due to increased enrollment in the life insurance program.
- Possible delays in processing claims due to the new review process for administrative errors.
- The one-year limitation on contesting administrative errors might be insufficient for some veterans to discover and address issues.
- The cost of the study mandated in the bill will be borne by taxpayers.
- Potential for increased premiums if the program's solvency is threatened by expanded eligibility.
Constitutional Alignment
The bill aligns with the Constitution's general welfare clause by providing benefits to veterans. Congress has the power to legislate for the common defense and provide for veterans' welfare. The bill does not appear to infringe upon any specific constitutional rights or limitations.
Impact Assessment: Things You Care About ⓘ
This action has been evaluated across 19 key areas that matter to you. Scores range from 1 (highly disadvantageous) to 5 (highly beneficial).