Cards

Card 1: Notice of Claim

• Front: Under the Notice of Claim provision, how many days does the insured have to notify the insurer of a loss?

• Back: 20 days (or as soon as reasonably possible).

Card 2: Claim Forms

• Front: After receiving a notice of claim, the insurer must provide claim forms to the insured within how many days?

• Back: 15 days. If the insurer fails to send them, the insured can submit proof of loss in any written format.

Card 3: Proof of Loss

• Front: According to the mandatory Proof of Loss provision, the insured must provide written proof of loss within how many days of the loss?

• Back: 90 days (or up to 1 year maximum extension if it wasn't reasonably possible, unless legally incapacitated).

Card 4: Insurer Acknowledgment (Ohio Law)

• Front: Under Ohio law, an insurance company must acknowledge the receipt of a claim within how many days?

• Back: 15 days.

Card 5: Time of Payment of Claims (Ohio Law)

• Front: For health policies in Ohio, once the insurer receives valid proof of loss, indemnities for any loss (other than periodic disability payments) must be paid within how many days?

• Back: 30 days.

Card 6: Ongoing Disability Notice

• Front: Under the Notice of Claim provision, if an insurer is paying loss-of-time (disability) benefits for at least 2 years, how often can they require notice of continued disability?

• Back: Every 6 months.

Card 7: Legal Actions

• Front: How many days must an insured wait after filing proof of loss before they can file a lawsuit against the insurer?

• Back: 60 days.

Card 8: Legal Actions Deadline

• Front: What is the maximum timeframe after submitting proof of loss during which an insured can bring a legal suit against the insurer?

• Back: 3 years.

Card 9: Claim Decision (Ohio Law)

• Front: In Ohio, how long do insurers have to accept or reject a claim after receiving valid proof of loss?

• Back: 21 days.