What is a primary responsibility of accident and health insurers after receiving proof of loss?

The primary responsibility of accident and health insurers after receiving proof of loss is to process the claim in a timely manner. This often means reviewing the documentation submitted by the insured and making a determination about the claim's validity. While the option mentioning a 60-day waiting period might appear plausible, it does not accurately reflect the typical regulatory requirements for insurers.

Instead, insurers are generally obligated to act promptly after receiving proof of loss, with many jurisdictions setting specific timelines within which insurers must notify the claimant of their decision on the claim. This could include requesting additional information if necessary or making payment if the claim is valid.

Since the correct responsibility involves acting on the claim efficiently, insurers are usually expected to make payment or deny the claim within a certain timeframe that aligns with policy guidelines and state regulations. Therefore, it is essential to understand that the insurer's duty centers around timely claims processing rather than waiting or filing reports, which are not primary responsibilities upon receiving proof of loss.