ner, and containing such information as the Sec-
retary specifies. 
(4) REPORTS.— 
(A) REPORTS
TO
CONGRESS.—The Sec-
retary shall annually submit a report to Con-
gress on the grant program established under 
this subsection. 
(B) REPORTS
AVAILABLE
TO
PUBLIC.— 
The Secretary shall establish procedures for the 
dissemination to the public of each report sub-
mitted under subparagraph (A). Such proce-
dures shall include the use of the Internet to 
disseminate such reports. 
(5) AUTHORIZATION OF APPROPRIATIONS.— 
(A) AUTHORIZATION.—There are author-
ized to be appropriated— 
(i) $1,000,000 for fiscal year 2018 to 
carry out the provisions of paragraph 
(1)(A); and 
(ii) $12,000,000 for each of fiscal 
years 2019 through 2022 to carry out the 
provisions of paragraph (1)(B). 
(B) THREE-YEAR AVAILABILITY OF GRANT 
FUNDS.—Each recipient of a grant under this 
subsection shall return to the Secretary any un-
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lotter on DSKBCFDHB2PROD with BILLS
used portion of such grant not later than 3 
years after the date the grant was awarded, to-
gether with any earnings on such unused por-
tion. 
(C) AMOUNTS RETURNED.—Any amounts 
returned pursuant to subparagraph (B) shall be 
available without further appropriation to the 
Secretary for the purpose of carrying out the 
provisions of paragraph (1)(B). 
(e) EFFECT ON EXISTING LAWS, ETC.— 
(1) MORE
PROTECTIVE
LAWS, AGREEMENTS, 
PROGRAMS, AND PLANS.—Nothing in this title shall 
be construed to supersede any provision of any Fed-
eral, State, or local law, collective bargaining agree-
ment, or employment benefits program or plan that 
provides greater unemployment insurance benefits 
for survivors of domestic violence, dating violence, 
sexual assault, or stalking than the rights estab-
lished under this title. 
(2) LESS
PROTECTIVE
LAWS, AGREEMENTS, 
PROGRAMS, AND PLANS.—The rights established for 
survivors of domestic violence, dating violence, sex-
ual assault, or stalking under this title shall not be 
diminished by any more restrictive State or local 
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law, collective bargaining agreement, or employment 
benefits program or plan. 
(f) EFFECTIVE DATE.— 
(1) UNEMPLOYMENT AMENDMENTS.— 
(A) IN GENERAL.—Except as provided in 
subparagraph (B) and paragraph (2), the 
amendments made by this section shall apply in 
the case of compensation paid for weeks begin-
ning on or after the expiration of 180 days 
from the date of enactment of this Act. 
(B) EXTENSION OF EFFECTIVE DATE FOR 
STATE LAW AMENDMENT.— 
(i) IN GENERAL.—If the Secretary of 
Labor identifies a State as requiring a 
change to its statutes, regulations, or poli-
cies in order to comply with the amend-
ments made by this section (excluding the 
amendment made by subsection (c)), such 
amendments shall apply in the case of 
compensation paid for weeks beginning 
after the earlier of— 
(I) the date the State changes its 
statutes, regulations, or policies in 
order to comply with such amend-
ments; or 
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(II) the end of the first session of 
the State legislature which begins 
after the date of enactment of this 
Act or which began prior to such date 
and remained in session for at least 
25 calendar days after such date, 
except that in no case shall such amend-
ments apply before the date that is 180 
days after the date of enactment of this 
Act. 
(ii) SESSION DEFINED.—In this sub-
paragraph, the term ‘‘session’’ means a 
regular, special, budget, or other session of 
a State legislature. 
(2) TANF AMENDMENT.— 
(A) IN GENERAL.—Except as provided in 
subparagraph (B), the amendment made by 
subsection (c) shall take effect on the date of 
enactment of this Act. 
(B) EXTENSION OF EFFECTIVE DATE FOR 
STATE
LAW
AMENDMENT.—In the case of a 
State plan under part A of title IV of the Social 
Security Act which the Secretary of Health and 
Human Services determines requires State ac-
tion (including legislation, regulation, or other 
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administrative action) in order for the plan to 
meet the additional requirements imposed by 
the amendment made by subsection (c), the 
State plan shall not be regarded as failing to 
comply with the requirements of such amend-
ment on the basis of its failure to meet these 
additional requirements before the first day of 
the first calendar quarter beginning after the 
close of the first regular session of the State 
legislature that begins after the date of enact-
ment of this Act. For purposes of the previous 
sentence, in the case of a State that has a two- 
year legislative session, each year of the session 
is considered to be a separate regular session of 
the State legislature. 
(g) DEFINITIONS.—In this section, the terms ‘‘do-
mestic violence’’, ‘‘dating violence’’, ‘‘sexual assault’’, 
‘‘stalking’’, ‘‘survivor of domestic violence, dating violence, 
sexual assault, or stalking’’, and ‘‘survivor services organi-
zation’’ have the meanings given such terms in section 
201. 
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TITLE V—INSURANCE PROTEC-
TIONS 
AND 
SUPPORT 
FOR 
SURVIVORS OF DOMESTIC VI-
OLENCE, DATING VIOLENCE, 
SEXUAL ASSAULT, OR STALK-
ING 
Subtitle A—Insurance Protections 
SEC. 501. DEFINITIONS. 
In this title: 
(1) ABUSER.—The term ‘‘abuser’’ means the 
person who commits an act of domestic violence, 
dating violence, sexual assault, or stalking against a 
survivor of domestic violence, dating violence, sexual 
assault, or stalking. 
(2) DATING
VIOLENCE; DOMESTIC
VIOLENCE; 
SEXUAL ASSAULT; STALKING.—The terms ‘‘dating 
violence’’, ‘‘domestic violence’’, ‘‘sexual assault’’, and 
‘‘stalking’’ have the meanings given such terms in 
section 201. 
(3) INSURED.—The term ‘‘insured’’ means a 
party named on a policy, certificate, or health ben-
efit plan, including an individual, a corporation, a 
partnership, an association, an unincorporated orga-
nization, or any similar entity, as the person with 
legal rights to the benefits provided by the policy, 
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certificate, or health benefit plan. For group insur-
ance, the term includes a person who is a beneficiary 
covered by a group policy, certificate, or health ben-
efit plan. For life insurance, the term refers to the 
person whose life is covered under an insurance pol-
icy. 
(4) INSURER.—The term ‘‘insurer’’ means any 
person, reciprocal exchange, inter insurer, Lloyds in-
surer, fraternal benefit society, or other legal entity 
engaged in the business of insurance, including 
agents, brokers, adjusters, and third-party adminis-
trators. The term includes employers who provide or 
make available employment benefits through an em-
ployee benefit plan, as defined in section 3(3) of the 
Employee Retirement Income Security Act of 1974 
(29 U.S.C. 1002(3)). The term also includes health 
insurance issuers, as defined by section 2791 of the 
Public Health Service Act (42 U.S.C. 300gg–91), 
health benefit plans, and life, disability, and prop-
erty and casualty insurers. 
(5) POLICY.—The term ‘‘policy’’ means a con-
tract of insurance, certificate, indemnity, suretyship, 
or annuity issued, proposed for issuance, or intended 
for issuance by an insurer, including endorsements 
or riders to an insurance policy or contract. 
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(6) SURVIVOR OF DOMESTIC VIOLENCE, DATING 
VIOLENCE, SEXUAL ASSAULT, OR STALKING.—The 
term ‘‘survivor of domestic violence, dating violence, 
sexual assault, or stalking’’ has the meaning given 
such term in section 201. 
(7) SURVIVOR SERVICES ORGANIZATION.—The 
term ‘‘survivor services organization’’ has the mean-
ing given such term in section 201. 
SEC. 502. DISCRIMINATORY ACTS PROHIBITED. 
(a) IN GENERAL.—No insurer may, directly or indi-
rectly, engage in any of the following acts or practices on 
the basis that the applicant or insured, or any person em-
ployed by the applicant or insured or with whom the appli-
cant or insured is known to have a relationship or associa-
tion, is, has been, or may be a survivor of domestic vio-
lence, dating violence, sexual assault, or stalking or has 
incurred or may incur claims related to domestic violence, 
dating violence, sexual assault, or stalking: 
(1) Denying, refusing to issue, renew, or re-
issue, or canceling or otherwise terminating an in-
surance policy or health benefit plan. 
(2) Restricting, excluding, or limiting insurance 
coverage for losses or denying a claim, except as oth-
erwise permitted or required by State laws relating 
to life insurance beneficiaries. 
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(3) Adding a premium differential to any insur-
ance policy or health benefit plan. 
(b) PROHIBITION ON LIMITATION OF CLAIMS.—No 
insurer may, directly or indirectly, deny or limit payment 
to an insured who is a survivor of domestic violence, dat-
ing violence, sexual assault, or stalking if the claim for 
payment is a result of such violence, assault, or stalking. 
(c) PROHIBITION ON TERMINATION.— 
(1) IN GENERAL.—No insurer may terminate 
health coverage for a survivor of domestic violence, 
dating violence, sexual assault, or stalking because 
coverage was originally issued in the name of the 
abuser and the abuser has divorced, separated from, 
or lost custody of the survivor or the survivor’s cov-
erage has terminated voluntarily or involuntarily and 
the survivor does not qualify for an extension of cov-
erage under part 6 of subtitle B of title I of the Em-
ployee Retirement Income Security Act of 1974 (29 
U.S.C. 1161 et seq.) or section 4980B of the Inter-
nal Revenue Code of 1986. 
(2) PAYMENT OF PREMIUMS.—Nothing in para-
graph (1) shall be construed to prohibit the insurer 
from requiring that the survivor of domestic vio-
lence, dating violence, sexual assault, or stalking pay 
the full premium for the survivor’s coverage under 
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the health plan if the requirements are applied to all 
insured of the insurer. 
(3) EXCEPTION.—An insurer may terminate 
group coverage to which this subsection applies after 
the continuation coverage period required by this 
subsection has been in force for 18 months if it of-
fers conversion to an equivalent individual plan. 
(4) CONTINUATION
COVERAGE.—The continu-
ation of health coverage required by this subsection 
shall be satisfied by any extension of coverage under 
part 6 of subtitle B of title I of the Employee Re-
tirement Income Security Act of 1974 (29 U.S.C. 
1161 et seq.) or section 4980B of the Internal Rev-
enue Code of 1986 provided to a survivor of domes-
tic violence, dating violence, sexual assault, or stalk-
ing and is not intended to be in addition to any ex-
tension of coverage otherwise provided for under 
such part 6 or section 4980B. 
(d) USE OF INFORMATION.— 
(1) LIMITATION.— 
(A) IN GENERAL.—In order to protect the 
safety and privacy of survivors of domestic vio-
lence, dating violence, sexual assault, or stalk-
ing, no person employed by or contracting with 
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an insurer or health benefit plan may (without 
the consent of the survivor)— 
(i) use, disclose, or transfer informa-
tion relating to domestic violence, dating 
violence, sexual assault, or stalking status, 
acts of such violence, assault, or stalking, 
medical conditions related to domestic vio-
lence, dating violence, sexual assault, or 
stalking, or the applicant’s or insured’s 
status as a family member, employer, asso-
ciate, or person in a relationship with a 
survivor of domestic violence, dating vio-
lence, sexual assault, or stalking for any 
purpose unrelated to the direct provision of 
health care services unless such use, disclo-
sure, or transfer is required by an order of 
an entity with authority to regulate insur-
ance or an order of a court of competent 
jurisdiction; or 
(ii) disclose or transfer information 
relating to an applicant’s or insured’s mail-
ing address or telephone number or the 
mailing address and telephone number of a 
shelter for survivors of domestic violence, 
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lotter on DSKBCFDHB2PROD with BILLS
dating violence, sexual assault, or stalking, 
unless such disclosure or transfer— 
(I) is required in order to provide 
insurance coverage; and 
(II) does not have the potential 
to endanger the safety of a survivor of 
domestic violence, dating violence, sex-
ual assault, or stalking. 
(B) RULE OF CONSTRUCTION.—Nothing in 
this paragraph may be construed to limit or 
preclude a survivor of domestic violence, dating 
violence, sexual assault, or stalking from obtain-
ing the survivor’s own insurance records from 
an insurer. 
(2) AUTHORITY OF SURVIVORS.—A survivor of 
domestic violence, dating violence, sexual assault, or 
stalking, at the absolute discretion of the survivor, 
may provide evidence of domestic violence, dating vi-
olence, sexual assault, or stalking to an insurer for 
the limited purpose of facilitating treatment of a 
condition related to such violence, assault, or stalk-
ing or demonstrating that a condition is related to 
such violence, assault, or stalking. Nothing in this 
paragraph shall be construed as authorizing an in-
surer to disregard such provided evidence. 
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SEC. 503. INSURANCE PROTOCOLS FOR SURVIVORS OF DO-
MESTIC VIOLENCE, DATING VIOLENCE, SEX-
UAL ASSAULT, OR STALKING. 
Insurers shall develop and adhere to written policies 
specifying procedures to be followed by employees, con-
tractors, producers, agents, and brokers for the purpose 
of protecting the safety and privacy of a survivor of do-
mestic violence, dating violence, sexual assault, or stalking 
and otherwise implementing this subtitle when taking an 
application, investigating a claim, or taking any other ac-
tion relating to a policy or claim involving a survivor of 
domestic violence, dating violence, sexual assault, or stalk-
ing. 
SEC. 504. REASONS FOR ADVERSE ACTIONS. 
An insurer that takes an action that adversely affects 
a survivor of domestic violence, dating violence, sexual as-
sault, or stalking shall advise the applicant or insured who 
is the survivor of domestic violence, dating violence, sexual 
assault, or stalking of the specific reasons for the action 
in writing. For purposes of this section, reference to gen-
eral underwriting practices or guidelines shall not con-
stitute a specific reason. 
SEC. 505. LIFE INSURANCE. 
Nothing in this subtitle shall be construed to prohibit 
a life insurer from declining to issue a life insurance policy 
if the applicant or prospective owner of the policy is or 
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would be designated as a beneficiary of the policy, and 
if— 
(1) the applicant or prospective owner of the 
policy lacks an insurable interest in the insured; or 
(2) the applicant or prospective owner of the 
policy is known, on the basis of police or court 
records, to have committed an act of domestic vio-
lence, dating violence, sexual assault, or stalking 
against the proposed insured. 
SEC. 506. SUBROGATION WITHOUT CONSENT PROHIBITED. 
Subrogation of claims resulting from domestic vio-
lence, dating violence, sexual assault, or stalking is prohib-
ited without the informed consent of the survivor of do-
mestic violence, dating violence, sexual assault, or stalk-
ing. 
SEC. 507. ENFORCEMENT. 
(a) FEDERAL TRADE COMMISSION.—Any act or 
practice prohibited by this subtitle shall be treated as an 
unfair and deceptive act or practice pursuant to section 
5 of the Federal Trade Commission Act (15 U.S.C. 45) 
and the Federal Trade Commission shall enforce this sub-
title in the same manner, by the same means, and with 
the same jurisdiction, powers, and duties as though all ap-
plicable terms and provisions of the Federal Trade Com-
mission Act were incorporated into and made a part of 
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this subtitle, including issuing a cease and desist order 
granting any individual relief warranted under the cir-
cumstances, including temporary, preliminary, and perma-
nent injunctive relief and compensatory damages. 
(b) PRIVATE CAUSE OF ACTION.— 
(1) IN GENERAL.—An applicant or insured who 
believes that the applicant or insured has been ad-
versely affected by an act or practice of an insurer 
in violation of this subtitle may maintain an action 
against the insurer in a Federal or State court of 
original jurisdiction. 
(2) RELIEF.—Upon proof of such conduct by a 
preponderance of the evidence in an action described 
in paragraph (1), the court may award appropriate 
relief, including temporary, preliminary, and perma-
nent injunctive relief and compensatory and punitive 
damages, as well as the costs of suit and reasonable 
fees for the aggrieved individual’s attorneys and ex-
pert witnesses. 
(3) STATUTORY
DAMAGES.—With respect to 
compensatory damages in an action described in 
paragraph (1), the aggrieved individual may elect, at 
any time prior to the rendering of final judgment, to 
recover in lieu of actual damages, an award of statu-
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tory damages in the amount of $5,000 for each vio-
lation. 
SEC. 508. APPLICABILITY. 
This subtitle shall apply with respect to any action 
taken after the enactment of this Act. 
Subtitle B—Supporting and 
Empowering Survivors 
SEC. 511. STUDY AND REPORTS ON BARRIERS TO SUR-
VIVORS’ ECONOMIC SECURITY ACCESS. 
(a) HHS STUDY.—The Secretary of Health and 
Human Services, in consultation with the Secretary of 
Labor, shall conduct a study on the barriers that survivors 
of domestic violence, dating violence, sexual assault, or 
stalking throughout the United States experience in main-
taining economic security as a result of issues related to 
domestic violence, dating violence, sexual assault, or stalk-
ing. 
(b) REPORTS.—Not later than January 1, 2019, and 
every five years thereafter, the Secretary of Health and 
Human Services, in consultation with the Secretary of 
Labor, shall submit a report to Congress on the study con-
ducted under subsection (a). 
(c) CONTENTS.—The study and reports under this 
section shall include— 
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lotter on DSKBCFDHB2PROD with BILLS
(1) identification of geographic areas in which 
State laws, regulations, and practices have a strong 
impact on the ability of survivors of domestic vio-
lence, dating violence, sexual assault, or stalking to 
exercise— 
(A) any rights under this Act without com-
promising personal safety or the safety of oth-
ers, including family members and excluding 
the abuser; and 
(B) other components of economic security; 
(2) identification of geographic areas with 
shortages in resources for such survivors, with an 
accompanying analysis of the extent and impact of 
such shortage; 
(3) analysis of factors related to industries, 
workplace settings, employer practices, trends, and 
other elements that impact the ability of such sur-
vivors to exercise any rights under this Act without 
compromising personal safety or the safety of others, 
including family members; 
(4) the recommendations of the Secretary of 
Health and Human Services and the Secretary of 
Labor with respect to resources, oversight, and en-
forcement tools to ensure successful implementation 
of the provisions of this Act in order to support the 
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lotter on DSKBCFDHB2PROD with BILLS
economic security and safety of survivors of domestic 
violence, dating violence, sexual assault, or stalking; 
and 
(5) best practices for States, employers, health 
carriers, insurers, and other private entities in ad-
dressing issues related to domestic violence, dating 
violence, sexual assault, or stalking. 
(d) GAO STUDY.—Not later than 18 months after 
the date of the enactment of this Act, the Comptroller 
General of the United States shall submit to Congress a 
report that examines, with respect to survivors of domestic 
violence, dating violence, sexual assault, or stalking who 
are or were enrolled at institutions of higher education and 
have Federal student loan debt, each of the following: 
(1) The implications of domestic violence, dat-
ing violence, sexual assault, or stalking on a bor-
rower’s ability to repay their Federal student loans. 
(2) The adequacy of current policies and proce-
dures regarding Federal loan deferment, forbear-
ance, and grace periods when a survivor has to sus-
pend or terminate their enrollment at an educational 
institution due to domestic violence, dating violence, 
sexual assault, or stalking. 
(3) The adequacy of current institutional poli-
cies and practices regarding retention or transfer of 
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lotter on DSKBCFDHB2PROD with BILLS
credits when a survivor has to suspend or terminate 
their enrollment at an educational institution due to 
domestic violence, dating violence, sexual assault, or 
stalking. 
(4) The availability or any options for a sur-
vivor of domestic violence, dating violence, sexual as-
sault, or stalking who attended institutions of higher 
education that committed unfair, deceptive, or abu-
sive acts or practices, or otherwise substantially mis-
represented information to students, to be able to 
seek a defense to repayment of their loan. 
(5) The limitations faced by a survivor of do-
mestic violence, dating violence, sexual assault, or 
stalking to obtain any relief or restitution on their 
student loan debt due to the use of forced arbitra-
tion, gag orders, or bans on class actions. 
SEC. 512. DOMESTIC VIOLENCE, DATING VIOLENCE, SEX-
UAL ASSAULT, AND STALKING EDUCATION 
AND INFORMATION PROGRAMS FOR SUR-
VIVORS. 
(a) DEFINITIONS.—In this section, the terms ‘‘em-
ploy’’, ‘‘employee’’, ‘‘employer’’, and ‘‘State’’ have the 
meanings given such terms in section 201. 
(b) PUBLIC EDUCATION PROGRAM.— 
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(1) IN GENERAL.—The Secretary of Labor, in 
conjunction with the Secretary of Health and 
Human Services (through the Director of the Cen-
ters for Disease Control and Prevention and the 
grant recipient carrying out the National Resource 
Center on Domestic Violence) and the Attorney Gen-
eral (through the Principal Deputy Director of the 
Office on Violence Against Women), shall coordinate 
and provide for a national public outreach and edu-
cation campaign to raise public awareness of domes-
tic violence, dating violence, sexual assault, and 
stalking, including outreach and education for em-
ployers, service providers, teachers, and other key 
partners. 
(2) DISSEMINATION.—The Secretary of Labor, 
in conjunction with the Secretary of Health and 
Human Services and the Attorney General, as de-
scribed in paragraph (1), may disseminate informa-
tion through the public outreach and education cam-
paign on the resources and rights referred to in this 
subsection directly or through arrangements with 
health agencies, professional and nonprofit organiza-
tions, consumer groups, labor organizations, institu-
tions of higher education, clinics, the media, and 
Federal, State, and local agencies. 
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(3) INFORMATION.—The information dissemi-
nated under paragraph (2) shall include, at a min-
imum, a description of— 
(A) the resources and rights that are— 
(i) available to survivors of domestic 
violence, dating violence, sexual assault, or 
stalking; and 
(ii) established in this Act and the Vi-
olence Against Women Act of 1994 (42 
U.S.C. 13925 et seq.); 
(B) guidelines and best practices on pre-
vention of domestic violence, dating violence, 
stalking, and sexual assault; 
(C) resources that promote healthy rela-
tionships and communication skills; 
(D) resources that encourage bystander 
intervention in a situation involving domestic vi-
olence, dating violence, stalking, or sexual as-
sault; 
(E) resources that promote workplace poli-
cies that support and help maintain the eco-
nomic security of survivors of domestic violence, 
dating violence, sexual assault, or stalking; and 
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(F) resources and rights that the heads of 
Federal agencies described in paragraph (2) de-
termine are appropriate to include. 
(c) INFORMATION PROGRAM FOR EMPLOYERS.— 
(1) IN GENERAL.—The Secretary of Labor and 
the Secretary of Health and Human Services, in 
consultation with major women’s advocacy groups 
and medical and public health organizations, shall 
develop and disseminate to employers information on 
the entitlement of survivors of domestic violence, 
dating violence, sexual assault, or stalking to safe 
leave under title II. 
(2) INFORMATION.—The information dissemi-
nated under paragraph (1) shall include, at a min-
imum— 
(A) information describing employers’ re-
sponsibilities and employees’ rights under title 
II; 
(B) recommendations for carrying out 
those responsibilities and providing for those 
rights; 
(C) recommendations for supporting em-
ployees when the employees seek safe leave 
under title II; 
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(D) information on best practices for sup-
porting survivors of domestic violence, dating 
violence, sexual assault, or stalking; 
(E) information on best practices for pre-
venting domestic violence, dating violence, sex-
ual assault, and stalking; and 
(F) information explaining how to obtain 
additional copies of the information developed 
under paragraph (1) for distribution to the em-
ployees. 
(d) STUDY ON WORKPLACE RESPONSES.—The Sec-
retary of Labor, in conjunction with the Secretary of 
Health and Human Services, shall conduct a study on the 
status of workplace responses to employees who experience 
domestic violence, dating violence, sexual assault, or stalk-
ing while employed, in each State and nationally, to im-
prove the access of survivors of domestic violence, dating 
violence, sexual assault, or stalking to supportive resources 
and economic security. 
(e) AUTHORIZATION
OF APPROPRIATIONS.—There 
are authorized to be appropriated to carry out this section, 
such sums as may be necessary for each of fiscal years 
2018 through 2022. 
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