An insured in Mesa holds a disability income policy paying monthly loss-of-time benefits, and the insurer's liability period for the claim has now ended. Under A.R.S. 20-1351, when must proof of loss for the final periodic benefits be filed?

Why C is correct

A.R.S. 20-1351 sets the general proof-of-loss window at 90 days after the loss, but for periodic claims the proof is measured after the end of the insurer's liability period for the loss. A disability claim that runs for months is therefore proven on the 90-day clock that starts when the liability period ends, not when the disability began or when a particular payment falls due.

Why the other options are wrong

• A) A.R.S. 20-1351 does not key periodic proof of loss to the first payment date; the 90-day clock runs from the end of the liability period.
• B) Twenty days is the initial written notice deadline under A.R.S. 20-1349, not the proof-of-loss deadline for periodic benefits.
• D) Fifteen days is the claim-forms furnishing period under A.R.S. 20-1350 and has no application to filing periodic proof of loss.

Memory hook

Periodic claims: the 90-day clock waits for the liability period to end.