As an out-of-state self-insurer where must the claims files be kept and maintained?

• A. In CA
• B. In the state where the self-insured is located
• C. In CA unless the Manager has given written approval to administer from a location outside CA
• D. In the state where the TPA is located

Answer: (C)

The key idea is regulatory oversight and centralized recordkeeping. California requires that claims files for a self-insurer be kept in California to ensure timely access by the state, proper administration under California rules, and the ability to audit and manage claims effectively. If the self-insurer is located outside California, the files stay in California by default, unless the Manager—who oversees the self-insurer’s claim administration—grants written approval to administer from a location outside California. The location of the TPA or the self-insurer’s own location does not override this requirement.