The decision to become a living organ donor is a significant one and, among the many factors to weigh, donors should consider potential financial consequences of their altruism.

Medical costs associated with organ, tissue and bone marrow donations don't fall on the donor; they typically are paid by the recipient and often covered by insurance, Medicare or Medicaid.

But other related expenses including travel, lodging and loss of wages due to time out of work are the donor's responsibility.

Most of the roughly 6,000 living donations that occur annually are between relatives and close friends, people who have a vested interest in the recipient's outcome, according to the U.S. Department of Health and Human Services (HHS).

But even people who wouldn't hesitate to help a loved one should know about potential costs.

When Sally McCartin of North Branford donated a kidney to a fellow "hockey mom" in 2013, she knew she'd have to take time off from her job at the state's Department of Revenue Services.

"I was worried about the first two weeks that I would be out of work because I had used up all my sick time getting the necessary testing done to donate," she says. "Initially, I would have gone with no pay for the first two weeks."

The recipient of her kidney offered to cover McCartin's loss of wages, but the expense ultimately was covered by financial donations from McCartin's coworkers and contributions from her union, so she bore none of the cost.

For others, out-of-pocket expenses can be problematic and may deter some from donating altogether, says Sen. Martin Looney, D-New Haven. He proposed legislation in January that would help ease some of the burden.

Under his bill, people who donate organs or bone marrow after Jan. 1, 2017, could deduct up to $10,000 from their income, under the state personal income tax, to cover unreimbursed costs of travel, lodging and lost wages they incur as a result of donating. The bill also aims to allow state employees, beginning in 2018, to take up to 30 days of paid leave from work for organ donation and up to seven days of paid leave for bone marrow donation.

The legislation, co-sponsored by Sen. Catherine Osten, D-Columbia, is before the General Assembly's Public Health Committee and slated to receive a public hearing. It's intended to "limit potential barriers to people agreeing to be a live donor," Looney says.

The matter hits close to home for the senator, who suffered from kidney failure and received a kidney donation from a live donor in December. Nineteen states already have similar laws on the books, Looney says.

Some donors may have some expenses covered by their own insurance, depending on their plan, he says, but not all do.

"In some cases, the out-of-pocket expenses are minimal to the donor, and in other cases they can be substantial," he says, especially when it comes to missed work. "The donor is going to be out of work probably for a minimum of two weeks after the procedure. That would probably be the biggest hardship of all."

Many things can be donated by living donors, according to the HHS, including six vital organs: heart, kidneys, pancreas, lungs, liver and intestines. (In some cases a portion of the organ, such as the liver, is donated. Living heart donations are rare but happen. They occur when a donor has a pulmonary condition that necessitates removal of the heart and lungs for new ones lungs-only operations are considered riskier but the donor's heart is in good enough condition to be transplanted in another patient.)

Donors also may give certain tissues including skin, cornea and blood vessels as well as bone marrow, stem cells and umbilical cord blood.

April has been dubbed "National Donate Life Month," an effort by nonprofit advocacy group Donate Life America to encourage people to register as organ, eye and tissue donors.

About 20 to 25 living donations occur annually at the Hartford Hospital Transplant Program, according to registered nurse and Living Donor Transplant Coordinator Kari Rancourt. Most of them are kidney transplants.

"We do talk a little [with prospective donors] about out-of-pocket expenses," she says. Some donors get help covering costs through social fundraising platforms like GoFundMe, she says.

There also are foundations that offer grants to help would-be donors afford travel and lodging, she adds, which have "helped limit barriers to donations."

McCartin, who donated at Yale-New Haven Hospital, says that she did have to consider the potential expense but that wouldn't have stopped her from donating. She is so passionate about it, she recently began Kid-U-Not, a Connecticut chapter of the American Living Organ Donor Fund that raises funds to assist donors.

"I felt that, if I was healthy enough to donate, then it was a no-brainer," she says. "How could I not help a single mom of three children? I would hope that if I was ever in the same situation someone would step up for me."

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Living Organ Donors: Proposed Tax Deduction Could Help Defray Donation Expenses - Hartford Courant