Where must out-of-state self-insurers maintain their claims files?

The correct answer is that out-of-state self-insurers must maintain their claims files in California without specific written approval. This requirement is rooted in California's Workers' Compensation laws, which govern the processes and regulations for claims handling in the state. Self-insurers, regardless of their home state, need to comply with California regulations when they cover employees who work in California. This ensures that claims can be managed effectively and that compliance with California's legal framework is maintained.

In California, having claims files available in the state enables accessibility and expedites the handling of claims, which is essential for both the employer and the injured employee. This positioning of records must be adhered to unless there is a specific written approval allowing for a different arrangement. Such an approval would need to be formally requested and granted, underscoring the importance of compliance in claims management.

Maintaining claims files in the state of the employee’s residence does not align with the regulations set forth by California and could potentially complicate the claims process, especially if the employee requires immediate assistance or if there are legal implications that need timely attention. Thus, it is vital for out-of-state self-insurers to understand and adhere to California’s rules to ensure proper claims handling.