State RegulationsNC specificDifficulty 3/5
Under G.S. 58-51-15(a)(11), what is the outside deadline for bringing a legal action to recover benefits under a North Carolina accident and health policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under G.S. 58-51-15(a)(11), no legal action for recovery under an accident and health policy may be brought after 3 years from the time written proof of loss was required. The statute also builds in a waiting period after proof is filed before suit may be started, giving the insurer the chance to pay; the 3-year outside limit then finally closes the action.
Why the other options are wrong
- B) One year understates the outside limit; the statute allows actions for 3 years after proof was required.
- C) Five years overstates the window; suit is barred beyond 3 years after proof was required.
- D) The statute sets a firm outside cutoff; timely proof does not keep the claim suable forever.
Memory hook
Three years from the proof deadline - then the door closes.