State RegulationsAZ specificDifficulty 3/5
Which statement correctly pairs the two time limits that A.R.S. 20-1355 places on legal actions under an individual health policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
A.R.S. 20-1355 works as a pair: no legal action may be brought before 60 days after written proof of loss is filed, and no action may be brought after 2 years from the time written proof of loss was required by the policy. Both limits run from the proof of loss, not from the date of the loss itself.
Why the other options are wrong
- A) The 90-day figure is the proof-of-loss deadline under A.R.S. 20-1351 and 1 year is not the outside limit.
- B) The pre-suit wait is 60 days, not 45, and the outside limit is 2 years, not 3.
- C) Both limits run from written proof of loss, not from the date the loss occurs.
Memory hook
Sixty to open the door, two years to close it.