State RegulationsAZ specificDifficulty 2/5
An insured in Mesa holds a disability income policy paying monthly loss-of-time benefits, and the insurer's liability period for the claim has now ended. Under A.R.S. 20-1351, when must proof of loss for the final periodic benefits be filed?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
A.R.S. 20-1351 sets the general proof-of-loss window at 90 days after the loss, but for periodic claims the proof is measured after the end of the insurer's liability period for the loss. A disability claim that runs for months is therefore proven on the 90-day clock that starts when the liability period ends, not when the disability began or when a particular payment falls due.
Why the other options are wrong
- A) A.R.S. 20-1351 does not key periodic proof of loss to the first payment date; the 90-day clock runs from the end of the liability period.
- B) Twenty days is the initial written notice deadline under A.R.S. 20-1349, not the proof-of-loss deadline for periodic benefits.
- D) Fifteen days is the claim-forms furnishing period under A.R.S. 20-1350 and has no application to filing periodic proof of loss.
Memory hook
Periodic claims: the 90-day clock waits for the liability period to end.