State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under California Insurance Code Section 10234.95, how is the Long-Term Care Insurance Personal Worksheet handled?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
CIC Section 10234.95(c) requires the issuer, or the agent, to present the NAIC-based Long-Term Care Insurance Personal Worksheet at or prior to application, and Section 10234.95(d) requires the completed worksheet to be returned to the issuer before the applicant is considered for coverage. Employer group sales to employees, spouses, and dependents are the exception. AH-V.2e anchors this suitability documentation rule.
Why the other options are wrong
- A) The worksheet must come before, not after, the policy is issued.
- B) The worksheet is a written applicant document returned to the issuer, not a verbal exercise retained by the agent.
- C) Employer group sales are the exception to the return requirement, not its sole trigger.
Memory hook
Worksheet first, coverage consideration second — and the signed copy goes to the issuer.