State RegulationsAZ specificDifficulty 1/5
Under A.R.S. 20-1355, what is the latest point at which an insured may start legal action on an individual health claim?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
A.R.S. 20-1355 closes the courthouse door 2 years after the time written proof of loss was required by the policy. Miss that window and the claim can no longer be litigated, which is why the 60-day minimum wait and the 2-year outside limit operate as a paired window for bringing suit.
Why the other options are wrong
- A) 6 months is shorter than the statutory outer limit and has no basis in A.R.S. 20-1355.
- B) 1 year is not the Arizona legal-action limit for individual health claims.
- C) 3 years is the life policy reinstatement window under A.R.S. 20-1213, not the legal-action limit.
Memory hook
Sue within 2 years — after waiting 60 days.