California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 2a - Group Disability Policies › Subarticle 1 - General Instructions and Rules › Section 2232.7 - Alternative Permissible Order

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Alternative permissible orders, groupings and captions
						for the uniform provisions prescribed by this article without obtaining the
						prior approval of the commissioner as provided in Section
						2232.5 are as hereinafter set
						forth in this section. If, in accordance with any of the alternatives
						hereinafter set forth in this section, more than one of the uniform provisions
						are grouped together under a principal caption, such uniform provisions shall
						nevertheless be set forth in the policy in their relative orders as set forth
						in this article, unless any such variation in order is noted, explained and
						approved by the commissioner as is required for other variations in order. The
						alternatives hereinabove referred to are as follows:
(a) The uniform provisions captioned "Notice
					 of Claim," "Claim Forms" and "Proofs of Loss" may be grouped together under a
					 principal caption such as "Notice and Proof of Claim" or "Notice and Proof of
					 Loss," but each uniform provision shall be preceded and identified by its
					 individual caption or subcaption.
(b) The uniform provisions captioned "Time of
					 Payment of Claim" and "Payment of Claims" may be grouped together under a
					 principal caption "Payment of Claim," "Payment of Loss" or "Payment of
					 Benefits," but each uniform provision shall be preceded and identified by its
					 individual caption or subcaption. The uniform provision captioned "Payment of
					 Claims" may be set forth with the short form of proof of claim in accordance
					 with Section
					 2232.8 hereof.
(c) The uniform provisions covered in
					 paragraphs (a) and (b) above may be grouped together under a principal caption
					 identifying the provisions as relating to notice, proof and payment of claim
					 appropriately combining a caption permitted by paragraph (a) with caption
					 permitted by paragraph (b) but each individual uniform provision shall be
					 preceded and identified by it's individual caption or subcaption.
(d) The uniform provision captioned "Physical
					 Examination and Autopsy" may be included with the uniform provisions covered in
					 paragraph (a) or in paragraph (c) hereof, and under one of the principal
					 captions therein permitted, but each uniform provision shall be preceded and
					 identified by its individual caption or subcaption.
(e) The insurer may set forth the optional
					 uniform provision captioned "Reduced Hospital Benefits in Case of Coverage
					 Under the California Unemployment Insurance Code" in the policy as a separate
					 uniform provision under its proper caption, or the insurer may set forth the
					 substance or effect of such provision in the policy as a part of the statement
					 of the hospital benefits in conformity with the instructions for its use, in
					 which case a separate caption or subcaption for the uniform provision is not
					 required.
(f) The uniform
					 provisions captioned "Entire Contract; Changes," "Time Limit on Certain
					 Defenses," "Grace Period," "Legal Actions" and "Changes of Beneficiary" may be
					 set forth in the policy separately under their individual captions, or they may
					 be grouped in whole or in part under an appropriate principal caption, or may
					 be set forth with other provisions of the policy with which they are logically
					 related subject to the requirements of identical in Section
					 2232.5 hereof, but said provider
					 provisions or the variations hereof.
(1) The
					 uniform provision captioned "Entire Contract; Changes" may be set forth in the
					 policy on the first page thereof with the insuring, consideration or execution
					 clauses, in which case the separate caption for the uniform provision is not
					 required; or said uniform provision may be set forth in the policy under some
					 principal caption such as "Contract Provisions" along with the uniform
					 provisions captioned "Time Limit on Certain Defenses" and "Legal Actions," but
					 each uniform provision shall, in such case, be preceded and identified by its
					 individual caption or subcaption.
(2) The uniform provision captioned "Time
					 Limit on Certain Defenses" may be set forth in the policy on the first page
					 thereof with the caption or subcaption with the uniform provisions covered by
					 paragraph (b) hereof, or may be set forth with the uniform provision captioned
					 "Legal Actions" under an appropriate principal caption such as "Time Limits on
					 Legal Actions and Certain Defenses," in which case a separate caption or
					 subcaption for the uniform provisions is not required.
(3) The uniform provision captioned "Grace
					 Period" may be set forth in the policy with the provision thereof relative to
					 payment of the premium by the employer, in which case a separate caption or
					 subcaption for the uniform provision is not required if the caption for the
					 combined provisions includes mention of a grace period.
(4) The uniform provision captioned "Change
					 of Beneficiary" may be set forth in the policy along with the provisions
					 thereof relative to the designation of beneficiary by the employee, in which
					 case a separate caption or subcaption for the uniform provision is not required
					 if the caption for the combined provisions includes mention of change of
					 beneficiary. (Ins. C. 10327.)