State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under California Insurance Code Section 381.5, an insurer that offers group life insurance to spouses of employees must also:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
California Insurance Code Section 381.5 requires insurers to treat registered domestic partners the same as spouses for purposes of insurance coverage. If a group plan covers spouses, equivalent coverage must be offered to registered domestic partners at the same rates and under the same conditions. This reflects California's policy of nondiscrimination between marriage and registered domestic partnership.
Why the other options are wrong
- B) Charging domestic partners higher premiums would discriminate against them in violation of the statute's equality requirement.
- C) Domestic partners must receive the same underwriting treatment as spouses; additional medical underwriting would be discriminatory.
- D) Domestic partners are eligible as dependents of covered employees under the same terms as spouses, not only when they are themselves employees.
Memory hook
In California, registered domestic partners stand in the same shoes as spouses: same coverage, same price, same rules.