State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under a group life insurance plan with dependent coverage, which person is typically eligible to be covered as a dependent?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Group life dependent coverage under California law, CIC §10270.65, generally extends to the insured employee's spouse or registered domestic partner and dependent children, and sometimes to other specified relatives who are primarily dependent on the employee for support. Dependent coverage is optional under the master policy and, if elected, the employee pays the added premium for dependents. A business partner, an unrelated relative living elsewhere, or a former employer would not be a covered dependent under the statute.
Why the other options are wrong
- B) A business partner is a business relationship, not a family dependent eligible under group dependent coverage.
- C) Dependents must typically live in the household or be financially dependent on the employee; a relative living elsewhere is not automatic.
- D) Employers are never dependents under a group plan; they are the policyowner.
Memory hook
Dependents in group life = spouse, domestic partner, kids — the family you feed, not the firm you join.