State RegulationsMI specificDifficulty 1/5
Under Michigan law, within how many days after a covered loss must written proof of loss be furnished on an individual accident and health claim?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
M.C.L. 500.3414 requires written proof of loss within 90 days after the covered loss. If furnishing the proof within that period was not reasonably possible, late proof is still accepted, with 1 year as the outside backstop before the claim finally fails.
Why the other options are wrong
- A: 30 days is the defect-notice period for clean claims and the producer name/address-change notice period, not the proof deadline.
- B: 60 days governs the claim-payment interest trigger and the suit waiting period, not proof of loss.
- D: 1 year is only the backstop for late proof when timely proof was not reasonably possible, not the standard deadline.
Memory hook
Proof packs its bags in 90 days.