Under California law (CIC Sections 10146-10149), when a disability income insurer underwrites on the basis of a test of an applicant's genetic characteristics, the insurer must:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
CIC Section 10146 states the purposes of the article on underwriting based on genetic characteristics: prevent unfair discrimination among individuals of the same class in life or disability income insurance on the basis of genetic tests, establish reliable standards for risk classification, maintain strict confidentiality of personal information obtained through genetic testing, and require informed consent before the insurer underwrites on the basis of a test of a person's genetic characteristics. Section 10147(b) defines genetic characteristics as identifiable genes or chromosomes known to cause disease or associated with a statistically increased risk, without present symptoms.
Why the other options are wrong
- B) Employers are not entitled to an applicant's genetic test results; confidentiality is a central requirement of the statute.
- C) There is no provision authorizing sharing genetic test results among insurers.
- D) The Commissioner is not a recipient of genetic test information; the statute centers on consent and confidentiality.
Memory hook
Your genes, your call. California underwriting needs consent for genetic tests and keeps the results under lock and key.