Donor Shield protections are offered to donors who donate in an NKR paired exchange or who donate directly to their intended recipient at a Donor Shield Direct Center.
Frequently Asked Questions
Donor Shield is a comprehensive program designed to protect living kidney donors. Find the answers to your questions about the Donor Shield program below, including who is covered by Donor Shield, how Donor Shield works, and what protections Donor Shield includes.
All donors who donate through a National Kidney Registry exchange or participating Donor Shield Direct Center receive the following protections:
- Lost wage reimbursement for up to six weeks with a max $1,500/ week reimbursement
- Travel and lodging reimbursement up to $3,000 for donors and their support person/travel companion
- Donation life insurance with a $500,000 principal sum (please note: this is not a term policy)
- Donation disability insurance for $1,500/week maximum for up to 52 weeks
- Legal support
- Coverage for uncovered donor complication costs
- Lost wage and travel reimbursement for donor complications
- Protection from discrimination when purchasing life insurance
Transportation (includes car rental, taxi, ride share, parking, etc.), mileage (IRS medical mileage rate) and lodging.
Child care, meals and gas.
The living donor kidney prioritization protection is only available to NKR KPD donors and not to direct donors.
To find all participating NKR centers OR Donor Shield Direct Centers, visit the Find Donor Shield page and select either “NKR Swap” or “Donor Shield Direct Center.”
Donor information is automatically sent to the Donor Shield Insurance company and no further action is required. The default beneficiary is “the estate of donor.”
No, you do not need to provide ACH information or any additional documentation if you are not requesting wage or travel reimbursement. You are automatically enrolled in the other protections.
All donors are required to provide the following when submitting a request for lost wage reimbursement:
- Two most recent paystubs
- Tax return from previous year
- ACH bank information (account number and routing number) for the account to which you want the reimbursement disbursed
At your earliest convenience, ask your transplant social worker or transplant coordinator to resend the invitation to you. Please double-check that all ACH information has been accurately entered before clicking “Continue.”
If you are self-employed, you need to provide form 1040, 1099, 941 or a K1 form.
You are required to upload paystubs for all jobs, and they all must have the same or overlapping pay period dates.
If you do not have a scanner, you can ask your transplant social worker or transplant coordinator for assistance in uploading the requested forms and receipts, or you can use a scanner at a public library.
Lost wage reimbursement only covers wages lost due to the kidney donation. A donor who is not currently working at the time of kidney donation will not lose wages due to the donation. Unemployment benefits are not covered under the lost wage reimbursement program.
This must be requested by the transplant center through the NKR system after the donor has received the first two weeks of lost wage reimbursement. Donors are eligible for up to a total of six weeks of reimbursement.
The NKR has been approved to offer a maximum of six weeks of wage reimbursement per donor. No exceptions can be made at this time.
Lost wage reimbursement is only available to donors with a valid Employer Identification Number (EIN) or Social Security Number (SSN). The other Donor Shield protections do not require an EIN or SSN.