State RegulationsTN specificDifficulty 1/5
Under the required provisions of Tennessee individual accident and health policies, written notice of claim must be given within:
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
T.C.A. § 56-26-108(5) requires written notice of claim within 20 days after the occurrence or commencement of any loss covered by the policy, or as soon as reasonably possible. For loss-of-time benefits payable for 2 years or longer, the policy may require the insured to give continuation notice of the continuation of loss every 6 months, keeping the insurer informed while the long-duration claim runs.
Why the other options are wrong
- A) 15 days is the window for the insurer to furnish claim forms after notice of claim under T.C.A. § 56-26-108(6), not the notice deadline.
- B) 45 days is the automatic-reinstatement backstop after a conditional receipt under T.C.A. § 56-26-108(4), unrelated to claim notice.
- C) 90 days is the written proof-of-loss deadline under T.C.A. § 56-26-108(7), which comes after notice of claim.
Memory hook
Notice in 20, forms in 15, proof in 90.