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

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

Answer: (C)

The claims file must be kept in California as the default rule, ensuring regulators have prompt access and the plan maintains consistent oversight of California claims. There is an important exception: the Manager (the plan’s administrator) can grant in writing permission to administer from a location outside California. With that written approval, operations can be conducted from another state, but without it, the records must remain in California. This balances regulatory accessibility with the flexibility to manage the program when a manager is authorized to operate from afar.