Under a Colorado individual sickness and accident policy, proof of loss is normally due within 90 days after the date of loss. If the claimant cannot reasonably file within that period, proof remains valid in no event later than when?

Why B is correct

C.R.S. § 10-16-202 sets the proof-of-loss deadline at 90 DAYS after the date of loss (for periodic indemnity, after the period for which the insurer is liable ends). Late proof does not invalidate the claim if it was not reasonably possible to file sooner, but the statute draws an absolute backstop: in NO event later than 1 YEAR from the time proof was otherwise required. After that date, even an excusable delay cannot save the claim.

Why the other options are wrong

• A) 90 days is the normal deadline, not the absolute outer limit that applies when timely proof was not reasonably possible.
• C) 2 years is a preexisting-condition and time-limit-on-defenses figure under C.R.S. § 10-16-202, not the proof-of-loss backstop.
• D) 6 months is shorter than the statutory backstop and would improperly cut off claims the statute still allows.

Memory hook

90 days to prove, 1 year is the last door.