What must a company provide to the policyowner within fifteen days of receiving notice of a pending claim?

• A. A copy of the policy
• B. A company approved claim form
• C. A payment authorization
• D. A list of covered benefits

Answer: (B)

The key idea is the insurer’s duty to provide a standardized claim filing document after a claim is reported. Within fifteen days of receiving notice of a pending claim, the company must furnish a claim form that has been approved by the company. This ensures the policyowner has a proper, uniform format to submit proof of loss and the information the insurer needs to start processing the claim. Without this form, the insured might struggle to provide the necessary details in a consistent way. The other options don’t fit this specific requirement: a copy of the policy is typically issued at issue or on request, a payment authorization isn’t issued until benefits are approved, and a list of covered benefits isn’t the document the insurer must provide focused on filing a claim.