An insured in Georgia gives timely notice of a covered disability loss, but the insurer fails to furnish claim forms. Under the standard provisions for individual accident and sickness policies, how does the insured satisfy the proof requirement?

Why C is correct

Under O.C.G.A. § 33-29-3(b)(6), the insurer must furnish claim forms within 10 working days after receiving notice of claim. If the insurer fails to furnish them, the statute gives the claimant a fallback: compliance is satisfied by submitting written proof of the occurrence, character, and extent of the loss. An insurer's paperwork failure therefore cannot be used to defeat an otherwise valid claim.

Why the other options are wrong

• A) The statute supplies an alternative proof path precisely so that missing forms do not defeat the claim.
• B) No additional 20-day waiting period exists; 20 days is the notice-of-claim deadline under § 33-29-3(b)(5), not a forms resubmission clock.
• D) The claimant must still submit the written proof described in the statute; the insurer's failure to furnish forms neither waives the proof requirement nor triggers immediate payment.

Memory hook

No forms? Prove it in writing: occurrence, character, extent.