State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 3/5
Under the standard disability policy provision required by California Insurance Code Section 10350.2, after two years from the date of issue a claim may NOT be reduced or denied on the ground that a disease or physical condition:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Section 10350.2, Form A paragraph (b), states that no claim for loss incurred or disability commencing after two years from the date of issue shall be reduced or denied on the ground that a disease or physical condition not excluded from coverage by name or specific description, effective on the date of loss, had existed prior to the effective date of coverage. After two years an unspecific preexisting condition cannot defeat a claim, but a condition the policy excludes by name or specific description remains excluded.
Why the other options are wrong
- B) A condition excluded by name or specific description is the express exception; the insurer may continue to rely on that exclusion.
- C) The provision concerns preexisting conditions, not conditions disclosed on the application; disclosed conditions are handled by the misstatement rules.
- D) The protection is limited to conditions not excluded by name or specific description; excluded conditions are not protected.
Memory hook
Name it to exclude it. After two years, silent preexisting conditions can't sink a claim.