Company Profile
Company Complaint Information

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Company Performance
In compliance with California Insurance Code § 12921.1, the California Department of Insurance conducted a Consumer Complaint Study of all admitted insurance carriers. The company performance table provides the complaints determined by the department to require that corrective action be taken against the insurer, or leading to insurer compromise, or other remedy for the complainant, those that are found to be without merit, those with other outcomes, and justified complaints. Justified complaints often require additional review, as violations of California insurance laws may exist.

Year Closed Complaints
(TOTAL of Categories 1-3)
Category 1:
Complaints found to require corrective action, leading to insurer compromise, or other remedy for the complainant.
Category 2:
Complaints found to be without Merit.
Category 3:
Complaints with Other Outcomes
Category 4:
Justified Complaints
2023 13 9 2 2 8
2022 4 4 0 0 1
2021 7 5 1 1 5

Violation Study

The following table represents number and type of violations found, by reference to the line of insurance and law allegedly violated.

Year Line of Coverage Law Section Summarized Description of Law # of Alleged Violations
2023 Disability CIC 10123.13a Claim must be paid, contested, or denied in 30 days to insured and provider. If contested written notice must contain DOI language 3
2023 Disability CIC 10123.135h4 Decisions to approve, deny, delay or modify services must be in writing and communicated as prescribed 1
2023 Disability CCR 2694a6 Facts of the complaint merit remedial action 3
2023 Disability CIC 10123.135h5 If insurer cannot make decision within time frame due to incomplete information, insurer must send written notification 1
2023 Disability CIC 790.03h5 Not attempting to effectuate prompt, fair, & equitable settlement when liability clear. 1
2023 Disability CIC 790.03h1 Misrepresenting facts or policy provisions. 1
2023 Disability CIC 10169i Must prominently display information concerning the right of the insured to request an independent medical review 3
2023 Disability CCR 2695.5(a) Must respond to the California Department of Insurance within 21 calendar days. 1
2023 Disability CIC 10123.135h2 In approval or contestation of Medical Necessity insurer must be made within 72 hours if imminent and serious health condition 1

If complaint data does not appear for this company, this link will provide you with an explanation.
To view the California Insurance Code (CIC), Click here
To view the California Code of Regulations (CCR), Click here

Comparison Data

The information below is for complaints closed during the study period for this insurance company. The table provides the Justified Complaint Ratio, Market Share, Complaint Share, and Index for this company, grouped by the line of coverage the company was authorized to sell in this study period.

Year Line of Coverage JustifiedComplaint Ratio Market Share Complaint Share Index

If complaint data does not appear for this company, this link will provide you with an explanation.


Last Revised - December 03, 2007 11:57 AM
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