Mercer Select US - California restricts insurers' ability to reduce disability income benefits

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California restricts insurers' ability to reduce disability income benefits

California has adopted regulations limiting insurance practices that reduce disability income benefit payments to disabled workers based on payment offsets. The new rules prohibit the insurer from estimating and deducting: certain retirement benefits (including public and private disability retirement benefits) if the individual hasn't voluntarily retired; Worker's Compensation temporary disability benefits not actually received; and earnings received during periods of work while disabled (without a good faith reasonable basis for the estimation). The regulations also amend advertising rules to require payment offset examples in some cases. The regulations became effective on August 23, 2008. Employers may find these restrictions on offsets result in higher future disability policy premiums. (Select News, 18 Sep 2008)

California restricts insurers' ability to reduce disability income benefits

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