Amended in Senate June 27, 2013

Amended in Senate June 4, 2013

California Legislature—2013–14 Regular Session

Assembly BillNo. 402

Introduced by Assembly Member Ammiano

(Coauthor: Senator Beall)

February 15, 2013

An act to add Sectionbegin delete 10144.53end deletebegin insert 10144.55end insert to the Insurance Code, relating to disability income insurance.


AB 402, as amended, 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 insurancebegin insert that is of a short-term limited duration of 2 years or less,end insert that is issued, amended, or renewed on or after July 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 begin delete10144.53end deletebegin insert10144.55end insert is added to the 2Insurance Code, to read:

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begin delete10144.53.end delete
2begin insert10144.55.end insert  

(a) Every policy of disability income insurance, as
3defined in subdivision (i) of Section 799.01,begin insert end insertbegin insertthat is of a short-term
4limited duration of two years or less,end insert
that is issued, amended, or
5renewed on or after July 1, 2014, and that provides disability
6income benefits shall provide coverage for disability caused by
7severe mental illnesses.

8(b) For the purposes of this section, “severe mental illnesses”
9shall include:

10(1) Schizophrenia.

11(2) Schizoaffective disorder.

12(3) Bipolar disorder (manic-depressive illness).

13(4) Major depressive disorders, including postpartum depression.

14(5) Panic disorder.

15(6) Obsessive-compulsive disorder.

16(7) Pervasive developmental disorder or autism.

17(8) Anorexia nervosa.

18(9) Bulimia nervosa.