§ 2232.30. Optional Uniform Provision Requirements.

OPTIONAL UNIFORM PROVISIONS

No group disability policy subject to this article delivered or issued for delivery in this State shall contain provisions respecting any of the matters which are the subject of Sections 2232.31 to 2232.40, inclusive, unless such provisions are set forth in the policy in accordance with the requirements of such sections, and in the words, order and under the captions of the uniform provisions as set forth in Sections 2232.32, 2232.34, 2232.37, 2232.38, 2232.39, and 2232.40, subject, however, to the “General Instructions and Rules” of this article, provided, nevertheless, that the insurer may, at its option, subject to Section 2232.5 hereof, substitute for one or more of such provisions corresponding provisions of different wording approved by the commissioner, which are in each instance not less favorable in any respect to the policyholder, any individual insured, or any beneficiary. Such provisions shall be preceded individually by the caption appearing herein as the caption for each such provision or by such other caption or subcaption as is herein specifically permitted, or, at the option of the insurer and subject to Section 2232.5 hereof, by such appropriate individual or group captions or subcaptions as the commissioner may approve.

The Optional Uniform Provisions set forth in Article 5a, Chapter 4, Part 2, Division 2 of the Insurance Code for use in individual policies, which are captioned “Change of Occupation... Other Insurance in this Insurer,” “Insurance With Other Insurers” as set forth in Section 10369.6 of the Insurance Code, “Relation of Earnings to Insurance” and “Unpaid Premiums” are not applicable to group disability insurance. Insofar as they are not applicable because the subject matter of such provisions are not consistent with group disability insurance, no provision incorporating such subject matter shall be set forth in any group disability policy. The instructions under the heading for each optional uniform provision state whether or not, or to what extent the subject matter of each such uniform provision as set forth in the Insurance Code for use in individual policies may be used in group disability policies. (Ins. C. 10369.1.)