[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 3576 Introduced in House (IH)]

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119th CONGRESS
  1st Session
                                H. R. 3576

To amend title 38, United States Code, to make certain improvements to 
the laws administered by the Secretary of Veterans Affairs relating to 
          life insurance for veterans, and for other purposes.


_______________________________________________________________________


                    IN THE HOUSE OF REPRESENTATIVES

                              May 23, 2025

 Mrs. Biggs of South Carolina introduced the following bill; which was 
             referred to the Committee on Veterans' Affairs

_______________________________________________________________________

                                 A BILL


 
To amend title 38, United States Code, to make certain improvements to 
the laws administered by the Secretary of Veterans Affairs relating to 
          life insurance for veterans, and for other purposes.

    Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Veterans' Life Insurance Expansion 
and Integrity Act of 2025''.

SEC. 2. EXPANSION OF DEPARTMENT OF VETERANS AFFAIRS LIFE INSURANCE 
              PROGRAM.

    (a) In General.--Section 1922B of title 38, United States Code, is 
amended--
            (1) in subsection (a)--
                    (A) in paragraph (1), by striking ``service-
                disabled'';
                    (B) by striking paragraph (3); and
                    (C) by redesignating paragraphs (4) through (6) as 
                paragraphs (3) through (5), respsectively; and
            (2) in subsection (b), by striking ``the veteran has a 
        service-connected disability'' and all that follows through the 
        period at the end of paragraph (2) and inserting the following: 
        ``the veteran submits an application for such insurance before 
        the veteran attains 81 years of age''.
    (b) Clerical Amendment.--
            (1) Section heading.--Such section is further amended by 
        striking the section heading and inserting the following:
``Sec. 1922B. Veterans life insurance''.
            (2) Table of sections.--The table of sections at the 
        beginning of chapter 19 of such title is amended by striking 
        the item relating to section 1922B and inserting the following 
        new item:

``1922B. Veterans life insurance.''.
    (c) Report.--Not later than two years after the date of the 
enactment of this Act, the Secretary of Veterans Affairs shall complete 
a study on the veterans life insurance program under section 1922B of 
such title (as amended by this Act) and submit to the Committees on 
Veterans Affairs of the House of Representatives and the Senate a 
report that includes, with respect to the period covered by the 
report--
            (1) the number of--
                    (A) veterans enrolled in such program;
                    (B) claims filed pursuant to such program;
                    (C) insurance payments made by the Secretary to 
                claimants pursuant to such program;
                    (D) the total amount of insurance payments 
                described in subparagraph (C); and
                    (E) contracts or policies for insurance under 
                chapter 19 of such title cancelled or voided by the 
                Secretary pursuant to section 1910 of such title (as 
                amended by this Act) due to administrative error (as 
                defined in such section);
            (2) an evaluation of--
                    (A) the solvency and financial stability of such 
                program; and
                    (B) the sufficiency of premiums under such program; 
                and
            (3) a statement of the cost savings to the United States 
        resulting from the cancellation or voiding by the Secretary, 
        pursuant to section 1910 of such title (as amended by this 
        Act), of contracts or policies of insurance due to 
        administrative error (as defined in such section).
    (d) Effective Date.--The amendments made by this section shall take 
effect on the date that is one year after the date of the enactment of 
this Act.

SEC. 3. CONTESTABILITY OF CERTAIN DEPARTMENT OF VETERANS AFFAIRS 
              INSURANCE CONTRACTS OR POLICIES ISSUED DUE TO 
              ADMINISTRATIVE ERROR.

    Section 1910 of such title is amended--
            (1) by inserting ``(a) In General.--'' before ``Subject 
        to'';
            (2) by inserting ``and subsection (b),'' after ``section 
        1911 of this title'';
            (3) by inserting `` administrative error,'' after 
        ``nonpayment of premium,''; and
            (4) by adding at the end the following new subsections:
    ``(b) Contests Due to Administrative Error.--
            ``(1) Prior notice; opportunity to submit evidence.--With 
        respect to any decision of the Secretary pursuant to this 
        section to cancel or void a contract or policy of insurance due 
        to administrative error, the Secretary shall provide the 
        insured--
                    ``(A) prior notice of such decision that includes 
                an explanation of the administrative error underlying 
                such cancellation or voiding; and
                    ``(B) a period of not less than 90 days to submit 
                to the Secretary evidence that no administrative error 
                occurred with respect to such contract or policy.
            ``(2) Evidentiary review.--In any case where an insured 
        submits to the Secretary evidence described in paragraph 
        (1)(B), the Secretary shall determine whether such evidence 
        satisfactorily demonstrates that no administrative error 
        occurred with respect to the contract or policy of the insured 
        by not later than 180 days after the date on which the 
        Secretary receives such evidence.
            ``(3) Limitation.--The Secretary may not, pursuant to this 
        section, cancel or void a contract or policy of insurance due 
        to administrative error after the date that is one year after 
        the date of the issuance, reinstatement, or conversion of such 
        contract or policy.
            ``(4) Applicability.--This subsection shall apply with 
        respect to any contract or policy for insurance, regardless of 
        whether such contract became effective before, on, or after the 
        date of the enactment of this subsection.
    ``(c) Administrative Error Defined.--In this section, the term 
`administrative error' means a clerical, technical, or processing 
mistake on the part of the Secretary that caused the issuance, 
reinstatement, or conversion of a contract or policy of insurance to an 
individual ineligible for such contract or policy on the date of such 
issuance, reinstatement, or conversion.''.
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