What happens if a Proof of Loss cannot be submitted within 180 days?

• A. The insurer will automatically deny the claim
• B. The insurer will not reduce or deny the claim for noncompliance if filed as soon as reasonably possible
• C. The claim will be considered abandoned
• D. The policy will be canceled

Answer: (B)

When a proof of loss deadline exists, the goal is timely information, but the rule allows for genuine delays. If you can’t submit proof within 180 days due to a legitimate barrier (such as illness, hospitalization, or other unavoidable circumstances), the insurance company generally won’t reduce or deny the claim just for that noncompliance, as long as you file the proof as soon as reasonably possible after the obstacle is resolved. The key idea is substantial compliance and prompt action once the reason for the delay ends. This protects you from losing benefits solely because you couldn’t meet the deadline right away, provided there’s no fraud or intentional misrepresentation and the claim is followed up promptly.