California Legislature—2013–14 Regular Session

Assembly BillNo. 402

Introduced by Assembly Member Ammiano

(Coauthor: Senator Beall)

February 15, 2013

An act to add Section 10144.53 to the Insurance Code, relating to disability income insurance.


AB 402, as introduced, Ammiano. Disability income insurance: mental illness.

Existing law defines disability income insurance as insurance against loss of occupational earning capacity arising from injury, sickness, or disablement.

This bill would require every policy of disability income insurance that is issued, amended, or renewed on or after January 1, 2014, and that provides disability income benefits to provide coverage for disability caused by severe mental illnesses, as defined.

Vote: majority. Appropriation: no. Fiscal committee: no. State-mandated local program: no.

The people of the State of California do enact as follows:

P1    1


Section 10144.53 is added to the Insurance Code,
2to read:



(a) Every policy of disability income insurance, as
4defined in subdivision (i) of Section 799.01, that is issued,
5amended, or renewed on or after January 1, 2014, and that provides
P2    1disability income benefits shall provide coverage for disability
2caused by severe mental illnesses.

3(b) For the purposes of this section, “severe mental illnesses”
4shall include:

5(1) Schizophrenia.

6(2) Schizoaffective disorder.

7(3) Bipolar disorder (manic-depressive illness).

8(4) Major depressive disorders, including postpartum depression.

9(5) Panic disorder.

10(6) Obsessive-compulsive disorder.

11(7) Pervasive developmental disorder or autism.

12(8) Anorexia nervosa.

13(9) Bulimia nervosa.