After a covered disability begins under a North Carolina accident and health policy, the insured must submit written proof of loss within how many days of the date of loss?

Why C is correct

G.S. 58-51-15(a)(7) requires written proof of loss within 180 days — for periodic-payment claims, 180 days after the end of the insurer's liability period, and for all other claims, 180 days after the date of loss. If submitting on time is not reasonably possible, late proof is accepted as soon as possible, but never later than 1 year. North Carolina deliberately departs from the model act's shorter window.

Why the other options are wrong

• A) 60 days is the waiting period before a legal action may be brought under G.S. 58-51-15(a)(11), not the proof deadline.
• B) 90 days is the model-provision figure that North Carolina rejected; the statutory window here is 180 days.
• D) 1 year is only the outside limit for late proof accepted when timely filing was not reasonably possible, not the standard deadline.

Memory hook

NC proof of loss: 180 days — double the model 90.