Section 10234.6.
Cal. Insurance Code - INS § 10234.6.
in effect(a)
The commissioner shall, by June 1 of each year, jointly design the format and content of a consumer rate guide for long-term care insurance with a working group that includes representatives of the Health Insurance Counseling and Advocacy Program, the insurance industry, and insurance agents. The commissioner shall annually prepare the consumer rate guide for long-term care insurance that shall include, but not be limited to, the
following information:
(1)
A comparison of the different types of long-term care insurance and coverages available to California consumers and a specimen outline of coverage for each product currently marketed by each insurer listed in the rate guide.
(2)
A premium history of each insurer that writes long-term care policies for all the types of long-term care insurance and coverages issued by the insurer in California.
(b)
The consumer rate guide to be prepared by the commissioner shall consist of two parts: a history of the rates for all policies issued in California for the current year and for nine preceding years, and a comparison of the policies, benefits, and sample premiums for all policies currently being issued for delivery in California.
(1)
For the rate history portion of the rate guide required by this section, the department shall collect, and each insurer shall provide to the department, all of the following information for each long-term care policy, including all policies, whether issued by the insurer or purchased or acquired from another insurer, issued in California for the current year and for nine preceding years:
(A)
Company name.
(B)
Policy type.
(C)
Policy form identification.
(D)
Dates sold.
(E)
Date acquired (if applicable).
(F)
Premium rate increases requested.
(G)
Premium rate increases approved.
(H)
Dates of premium rate increase approvals.
(I)
Any other information requested by the department.
(2)
For the policy comparison portion of the rate guide required by this section, the department shall collect, and each insurer shall provide to the department, the information needed to complete the following form, along with any other information requested by the department, for each long-term care policy currently issued for delivery in California, including all policies, whether issued by the insurer or purchased or acquired from another insurer:
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NOTICE OF INCOMPLETE TEXT: The Insurance Company
Policy
Information form appears in the hard-copy publication of the
chaptered bill. See Sec. 12, Chapter 304 (p. 13), Statutes of 2016.
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If an insurer does not offer a policy for sale that fits the criteria set forth in the sample premium portion of the policy comparison section of the rate guide, the department shall include in that section of the form for that policy a statement explaining that a policy fitting that criteria is not offered by the insurer and that the consumer may seek, from an agent, sample premium information for the insurer’s policy that most closely resembles the policy in the sample.
The department shall use the format set forth in this section for the policy comparison portion of the rate guide, unless the working group convened pursuant to
subdivision (a) designs an alternative format and agrees that it should be used instead.
In compiling the policy comparison portion of the rate guide, the department shall separate the group policies from the individual policies available for sale so that group policies for all insurers appear together in the guide and individual policies for all insurers appear together in the guide.
The policy comparison portion of the rate guide shall contain a cross-reference for each policy form listed indicating the page in the rate guide where rate information on the policy form can be found.
(c)
The department shall publish, on the department’s Internet Web site, a premium history of each insurer that writes long-term care policies for all the types of long-term care insurance and coverages issued by the insurer in each state. Each insurer shall provide to the
department all of the information listed in paragraph (1) of subdivision (b) for each long-term care policy, including all policies, whether issued by the insurer or purchased or acquired from another insurer, issued in the United States for the current year and for the nine preceding years.
(d)
Insurers shall provide the information required pursuant to subdivisions (b) and (c) no later than July 31 of each year, commencing in 2000.
(e)
The consumer rate guide shall be published no later than December 1 of each year commencing in 2000, and shall be distributed using all of the following methods:
(1)
Through Health Insurance Counseling and Advocacy Program (HICAP) offices.
(2)
By telephone using the department’s consumer toll-free telephone number.
(3)
On the department’s Internet Web site.
(4)
A notice in the Long-Term Care Insurance Personal Worksheet required by Section 10234.95.
(f)
Notwithstanding any other provision of law, the data submitted by insurers to the department pursuant to this section are public records, and shall be open to inspection by members of the public pursuant to the procedures of the California Public Records Act. However, a trade secret, as defined in subdivision (d) of Section 3426.1 of the Civil Code, is not subject to this subdivision.
References
referencesCal. Civil Code - CIV § 3426.1.
referencesCal. Insurance Code - INS § 10234.95.
Source: CA Legislative Counsel Bulk DataURL: https://downloads.leginfo.legislature.ca.gov/pubinfo_2025.zipFetched: 6/27/2026