Section 10603 Of Chapter 7. Disability Insurance Disclosure From California Insurance Code >> Division 2. >> Part 2. >> Chapter 7.
10603
. (a) (1) On or before April 1, 1975, the commissioner shall
promulgate a standard supplemental disclosure form for all disability
insurance policies. Upon the appropriate disclosure form as
prescribed by the commissioner, each insurer shall provide, in easily
understood language and in a uniform, clearly organized manner, as
prescribed and required by the commissioner, the summary information
about each disability insurance policy offered by the insurer as the
commissioner finds is necessary to provide for full and fair
disclosure of the provisions of the policy.
(2) On and after January 1, 2014, a disability insurer offering
health insurance coverage subject to Section 2715 of the federal
Public Health Service Act (42 U.S.C. Sec. 300gg-15) shall satisfy the
requirements of this section and the implementing regulations by
providing the uniform summary of benefits and coverage required under
Section 2715 of the federal Public Health Service Act and any rules
or regulations issued thereunder. An insurer that issues the federal
uniform summary of benefits referenced in this paragraph shall ensure
that all applicable disclosures required in this chapter and its
implementing regulations are met in other documents provided to
policyholders and insureds. An insurer subject to this paragraph
shall provide the uniform summary of benefits and coverage to the
commissioner together with the corresponding health insurance policy
pursuant to Section 10290.
(3) Commencing October 1, 2016, the uniform summary of benefits
and coverage referenced in this subdivision shall constitute a vital
document for the purposes of Section 10133.8. Not later than July 1,
2016, the commissioner shall develop written translations of the
template uniform summary of benefits and coverage for all language
groups identified by the State Department of Health Care Services in
all plan letters as of August 27, 2014, for translation services
pursuant to Section 14029.91 of the Welfare and Institutions Code,
except for any language group for which the United States Department
of Labor has already prepared a written translation. Not later than
July 1, 2016, the commissioner shall make available on its Internet
Web site written translations of the template uniform summary of
benefits and coverage developed by the commissioner, and written
translations prepared by the United States Department of Labor, if
available, for any language group to which this subparagraph applies.
(b) Nothing in this section shall preclude the disclosure form
from being included with the evidence of coverage or certificate of
coverage or policy.