An insured in Tennessee gives written notice of claim for a covered hospital stay. Within how many days after receiving the notice must the insurer furnish claim forms?

Why B is correct

T.C.A. § 56-26-108(6) requires the insurer to furnish claim forms to the insured within 15 days after receiving notice of claim. If the forms are not furnished within that period, the insured is deemed to have complied with the proof-of-loss requirements by delivering written proof covering the occurrence, the character of the loss, and the extent of the loss — so a slow insurer cannot trap the insured in technical noncompliance.

Why the other options are wrong

• A) 5 days is the advance-notice window for an insurer's written intent not to renew a renewal-option policy under T.C.A. § 56-26-108(3), not the claim-forms deadline.
• C) 20 days is the insured's notice-of-claim deadline under T.C.A. § 56-26-108(5), which starts the insurer's 15-day form obligation.
• D) 60 days is the waiting period before a legal action may be brought after written proof of loss under T.C.A. § 56-26-108(11).

Memory hook

Forms in 15 — or the insured's own written proof does the job.