Transition Rules

MDSA Limitation Option Added for Occupation classes 5A, 5P, 4A, 4P, 4S and 3A 
Effective Oct. 1, 2020

The Platinum Advantage 24-month Mental Disorder/Substance Abuse Limitation and associated premium discount will now be available to more occupation classes. Effective Oct. 1, 2020, applicants in occupation classes 5A, 5P, 4A, 4P, 4S and 3A may choose unlimited benefits as provided in the base contract or the MDSA Limitation and associated discount. Occupation classes 3D, 3P, 2A, 2P, A and B will always be issued with the 24-month MDSA Limitation and discount.

All California Platinum Advantage policies will continue to be issued with the MDSA Limitation regardless of occupation class.

Transition Rules for Fully Underwritten Applications

  • Applications pending an underwriter decision Oct. 1, 2020. Applicants in 5A, 5P, 4A, 4P, 4S, 3D and 3A occupation classes may request the limitation and associated discount.
  • Policies pending delivery or accepted with an effective date on or after Sept. 1, 2020. Applicants in 5A, 5P, 4A, 4P, 4S, 3A and 3D occupation classes may request the limitation and associated discount. We must receive the request in the home office by Nov. 1, 2020.
  • Applications for 3D occupation class signed on or before Nov. 1, 2020. These applications will be eligible for unlimited MDSA coverage. We must receive the application in the home office by Dec. 1, 2020. 3D applications signed Nov. 2, 2020 and later will be issued policies with the MDSA Limitation.

Transition Rules for Increase Options 

  • In all cases, if a base policy has the MDSA Limitation, the increase option will be issued with the limitation.
  • Increase effective dates on or after Sept. 1, 2020. If a base policy for occupation classes 5A, 5P, 4A, 4P, 4S, and 3A has unlimited MDSA, the policyowner may request the limitation be added to the increase. In this case, the increase option will be issued as a new policy. Please note, additional language will be added to the Policy Acceptance form for the policyowner to acknowledge the change in benefits, which may impact any benefits paid.
  • Increase option coverage pending delivery or accepted with an effective date on or after Sept. 1, 2020. Applicants in 5A, 5P, 4A, 4P, 4S, 3D and 3A occupation classes may request the limitation and associated discount. We must receive the request in the home office by Nov. 1, 2020.