California Code of Regulations
Title 10 - Investment
Chapter 5 - Insurance Commissioner
Subchapter 2 - Policy Forms and Other Documents
Article 2a - Group Disability Policies
Subarticle 1 - General Instructions and Rules
Section 2232.5 - Explaining Variations in Order and Wording

If any group disability policy subject to this article submitted for approval sets forth the uniform provisions therein in any order or under any captions other than in the order or alternative order and under the captions or alternative captions as set forth in or specifically permitted by this article, or if any language for any of said uniform provisions is used other than the language or alternative language of the uniform provisions set forth in this article with only such changes therein as may be necessary to make such language harmonize with the terminology and the benefits of the policy, then in such case, the insurer in its letter submitting any such form, shall point out each such variation of order, caption or language, explaining the differences therein from the order, caption or language, as the case may be, prescribed by this article, the reason therefor, and why the insurer believes the order, caption or language of the provision as set forth in the policy is, in each case, not less favorable to the policyholder or any individual insured under the policy than the order, caption or language of the corresponding provision as prescribed by this article. (Ins. C. 10327.)