For a non-periodic accident and health claim, within what period after the date of loss must written proof of loss be furnished under the standard provisions law?

Why D is correct

Under G.S. 58-51-15(a)(7), written proof of loss is due within 180 days after the date of loss for all claims other than periodic-payment claims, which run 180 days after the end of the insurer's liability period. Late proof is accepted if submission was not reasonably possible, but in no event later than 1 year.

Why the other options are wrong

• A) Sixty days is the waiting period before a legal action may be brought under G.S. 58-51-15(a)(11), not the proof-of-loss deadline.
• B) The 90-day figure is the NAIC-model proof period and is shorter than North Carolina's statutory 180 days under G.S. 58-51-15(a)(7).
• C) One year is the outside limit for late proof when timely submission was not reasonably possible, not the standard deadline.

Memory hook

North Carolina doubles the model rule: 180 days of proof, 1 year only if you could not help it.

Why C is correct

G.S. 58-51-15(a)(7) requires written proof of loss within 180 days after the date of loss, or within 180 days after the end of the liability period for periodic-payment claims. If submitting proof was not reasonably possible, the insured may file as soon as reasonably possible and in no event later than 1 year. North Carolina's 180-day period is a deliberate departure from the NAIC-model figure, which appears in this question only as a distractor.

Why the other options are wrong

• A) Ninety days is the NAIC-model proof-of-loss period and is wrong here; North Carolina requires 180 days under G.S. 58-51-15(a)(7).
• B) Twenty days is the notice-of-claim deadline under G.S. 58-51-15(a)(5), a separate and earlier step than proof of loss.
• D) Thirty-one days is the grace period for non-monthly A&H premium modes under G.S. 58-51-15(a)(3), not the proof-of-loss deadline.

Memory hook

Notice in 20, proof in 180 — NC doubles the NAIC model.