Another risk associated with personal genomics is that an insurance company could refuse to cover you if your DNA shows that you have a genetic propensity for a disease, or an employer could refuse to hire you because providing health benefits could be too expensive. Genetic discrimination is against the law in the United States since President George W. Bush signed into law the Genetics Information Nondiscrimination Act (GINA) in May 2008. The law doesn't cover life, disability, or long-term care insurance, however, and has other shortcomings according to some bioethics experts. Plus, it's unrealistic to think that genetic discrimination won't occur, simply because it's against the law.