State RegulationsAZ specificDifficulty 3/5
An Arizona individual health policy provides loss-of-time benefits payable for a period longer than 2 years. After the initial notice of claim, what continuing duty does A.R.S. 20-1349 impose on the insured?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
A.R.S. 20-1349 requires that for loss-of-time claims payable for 2 years or longer, the insured furnish the insurer written continuance notices of the continuing loss at intervals of every 6 months. Long-duration disability claims need periodic proof that the loss still persists — the initial notice alone does not keep a multi-year claim alive.
Why the other options are wrong
- A) 90-day notices are more frequent than the statutory 6-month interval under A.R.S. 20-1349.
- B) Annual notices are too infrequent; the statute fixes the interval at 6 months.
- C) The initial notice alone does not sustain a multi-year claim; continuance notices are mandatory.
Memory hook
Paid two-plus years? Check in every six months.