What is the time limit for submitting a Proof of Loss?

• A. Within 180 days after the date of loss
• B. Within 90 days after the date of loss
• C. Within 1 year after the date of loss
• D. Within 365 days after the date of loss

Answer: (A)

Submitting a Proof of Loss within about six months after the date of loss is the typical requirement. A Proof of Loss is a sworn statement from the insured or claimant that describes what was lost, the dates of loss, the medical services and expenses involved, and the amount being claimed, usually supported by bills and records. This deadline helps the insurer start reviewing the claim promptly while details are fresh and evidence is readily verifiable. If the proof isn't filed within the allowed window, the claim can be delayed or denied unless the policy provides an extension for good cause or other allowances. While some policies might allow longer or shorter timeframes, the standard tested in practice is roughly six months after the loss.