Under Georgia's unfair claims settlement practices law, an insurer that fails to furnish claim forms within how long after a policyholder's request commits an unfair claims practice?

Why A is correct

Under O.C.G.A. § 33-6-34(11), failing to provide claim forms within 15 calendar days of a request, together with reasonable explanations of their use, is an enumerated unfair claims settlement practice. The clock runs on calendar days, not working days, and is triggered by the request — the insurer cannot defer furnishing forms until a dispute ripens. This provision parallels the broader duty to acknowledge and act upon communications promptly.

Why the other options are wrong

• B) The working-day count of 15 applies to payment of electronic claims under the surprise billing provision, not to furnishing claim forms.
• C) 30 calendar days is the paper-claims payment deadline and the Medigap free-look period, not the claim-form deadline.
• D) No 20-working-day rule exists for claim forms; the statutory trigger is 15 calendar days from the request.

Memory hook

Claim forms fly fast: 15 calendar days after the ask, or it's an unfair practice.

Why A is correct

Under O.C.G.A. § 33-6-34(11), failing to furnish claim forms within 15 calendar days of a request, together with reasonable explanations of their use, is an enumerated unfair claims settlement practice. The deadline is measured in calendar days under the claims-practices article, and the Insurance Commissioner treats a pattern of late form delivery as evidence of a general business practice under O.C.G.A. § 33-6-33.

Why the other options are wrong

• B) 10 working days is the separate standard-provision deadline for an insurer to furnish claim forms after notice of claim under O.C.G.A. § 33-29-3(b)(6) — a different rule with a different trigger.
• C) 20 calendar days is not the claim-forms deadline; it does not appear in the claims-practices article's form-delivery rule.
• D) 30 calendar days is the paper-claim payment deadline for providers under O.C.G.A. § 33-6-34(15)(B), not the deadline for furnishing claim forms.

Memory hook

Claim forms on request: fifteen calendar days under the claims-practices article.