State RegulationsAZ specificDifficulty 3/5
A producer licensed in Arizona tells a client that written proof of loss on an individual health claim is due 180 days after the loss. Under A.R.S. 20-1351, what correction should be made?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under A.R.S. 20-1351, written proof of loss is due within 90 days after the loss occurs or commences — or, for periodic claims, within 90 days after the end of the period for which the insurer is liable. The 180-day figure belongs to other jurisdictions' models and misstates Arizona law, so the producer should quote the 90-day Arizona rule to the client.
Why the other options are wrong
- A) 45 days is the conditional-receipt reinstatement backstop under A.R.S. 20-1348, not a proof deadline.
- C) 31 days is the health grace period for infrequent premium modes under A.R.S. 20-1347, not a proof deadline.
- D) Arizona law clearly sets a 90-day proof-of-loss deadline; it is not open-ended.
Memory hook
Arizona proof of loss: ninety, never one-eighty.