California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 2 - Policy Forms and Other Documents › Article 2a - Group Disability Policies › Subarticle 2 - Compulsory Uniform Provisions › Section 2232.25 - Payment of Claims

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
Indemnity for loss of life will be payable in accordance
						with the beneficiary designation and the provisions respecting such payment
						which may be prescribed herein and effective at the time of payment. If no such
						designation or provision is then effective, such indemnity shall be payable to
						the estate of the insured employee. Any other accrued indemnities unpaid at the
						insured employee's death may, at the option of the insurer, be paid either to
						such beneficiary or to such estate. All other indemnities will be payable to
						the insured employee.
If any indemnity of this policy shall be payable to the
						estate of the insured employee, or to an insured employee or beneficiary who is
						a minor or otherwise not competent to give a valid release, the insurer may
						pay. such indemnity up to an amount not exceeding $___ to any relative by blood
						or connection by marriage of the insured employee or beneficiary who is deemed
						by the insurer to be equitably entitled thereto. Any payment made by the
						insurer in good faith pursuant to this provision shall fully discharge the
						insurer to the extent of such payment.
Subject to any written direction of the insured employee
						in an application or otherwise all or a portion of any indemnities provided by
						this policy on account of hospital, nursing, medical or surgical service may,
						at the insurer's option, and unless the insured employee requests otherwise in
						writing not later than the time for filing proof of such loss, be paid directly
						to the hospital or person rendering such services, but it is not required that
						the service be rendered by a particular hospital or person.
Instructions
1. The insurer shall use the first paragraph
					 of this provision in any policy which provides a benefit for accidental
					 death.
2. The insurer may omit the
					 first paragraph if the policy does not include a benefit for accidental death
					 and no provision is made for a beneficiary, in which case the phrase "to the
					 insured employee" shall be used in the uniform provision captioned "Time of
					 Payment of Claims."
3. The insurer
					 may, at its option, use either or both of the second two paragraphs of this
					 provision, or may omit them both, irrespective of whether the first paragraph
					 is used or not.
4. If the insurer
					 uses the second paragraph, there shall be inserted in the blank an amount not
					 exceeding $1,000.
5. If the second
					 paragraph is used and the policy makes no provision for the appointment of a
					 beneficiary, the insurer shall omit from said second paragraph all references
					 to payments to a beneficiary.
6.
					 The insurer may substitute for the words "an application" in the second line of
					 the third paragraph other words consistent with the policy terminology. (Ins.
					 C. 10350.9)