Under A.R.S. 20-1355, how soon after written proof of loss is filed may an insured bring legal action to recover benefits under an Arizona accident and health policy?

Why D is correct

A.R.S. 20-1355 bars any legal action for recovery of benefits before 60 days have passed after written proof of loss is filed. The waiting period gives the insurer time to pay without litigation; a suit filed before the 60 days run is premature even if the underlying claim is wholly valid.

Why the other options are wrong

• A) Immediate suit is barred; A.R.S. 20-1355 imposes a mandatory 60-day waiting period after written proof of loss.
• B) Fifteen days is the insurer's claim-forms furnishing period under A.R.S. 20-1350, not the legal-action waiting period.
• C) Ninety days is the proof-of-loss filing window under A.R.S. 20-1351; the legal-action waiting period is 60 days after proof is filed.

Memory hook

Sixty days of quiet before the courthouse doors open.

Why C is correct

A.R.S. 20-1355 bars any legal action for recovery under an individual health policy before 60 days have elapsed after written proof of loss was filed. The waiting period gives the insurer a fair chance to pay or deny the claim before litigation begins, and a suit filed earlier is premature.

Why the other options are wrong

• A) An immediate suit violates the statutory waiting period.
• B) 20 days is the notice-of-claim figure under A.R.S. 20-1349, not the pre-suit wait.
• D) 90 days is the proof-of-loss deadline under A.R.S. 20-1351, not the pre-suit wait.

Memory hook

File proof, wait 60, then sue.