Cal. Code Regs. tit. 10 § 2244.9
At the option of the insurer, any U. C. D. policy may contain a provision relative to the time within which suit may be brought under the policy, but any such provision shall be in the following form only or in the substance thereof:
"No action at law or in equity shall be brought to recover on this policy prior to the expiration of sixty days after proof of loss has been filed in accordance with the requirements of this policy, nor shall action be brought at all unless brought within three years from the expiration of the time within which proof of loss is required by the policy. This provision does not affect inn any way any employee's right to appeal under the California Unemployment Insurance Code."
If the insurer elects to use the short form of alternative required provision relative to notice and proof of claim set forth in (a) of Section 2244.5, and to omit the provision set forth under (b) (4) of Section 2244.5, there shall be substituted for the words "from the expiration of the time within which proof of loss is required by the policy" contained in the provision herein above set forth in this section, the words "and ninety days after the termination of the period of disability on which the cause of action is based."
Cal. Code Regs. Tit. 10, § 2244.9