# [Health Insurance] 22, Proof of Loss and Time of Payment of Claims

Page: https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-22-proof-of-loss-and-time-of-payment-of-claims
Text version: https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-22-proof-of-loss-and-time-of-payment-of-claims.md
Podcast: [Insurance Exam Prep](https://stenobird.com/podcast/insurance-exam-prep-7644557)
Published: 2026-04-18T23:26:01+00:00
Episode link: https://open-exam-prep.com/
Audio file: https://episodes.captivate.fm/episode/743ca4e8-1d65-4165-b2a5-e0b2952d9b7e.mp3
Processing state: not_requested
JSON: https://stenobird.com/v1/public/podcasts/insurance-exam-prep-7644557/episodes/health-insurance-22-proof-of-loss-and-time-of-payment-of-claims
Duration seconds: 144

## Resource

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The claimant is required to submit written proof of loss to the insurer within 90 days of the loss. - Insurers must pay claims for periodic payments, such as disability income, immediately upon receiving proof of loss. - For all other types of claims, like medical reimbursements, the insurer must pay promptly after receiving proof. - A claim is not automatically denied for late submission if proof is provided as soon as reasonably possible, but no later than one year. - A common exam trap is confusing the 90-day Proof of Loss provision with the 20-day Notice of Claim provision. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep

## Actions

- request_transcript: `POST https://stenobird.com/v1/public/podcasts/insurance-exam-prep-7644557/episodes/health-insurance-22-proof-of-loss-and-time-of-payment-of-claims/transcription-requests` — Idempotently request low-priority transcript generation for this episode.
- read_markdown: `GET https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-22-proof-of-loss-and-time-of-payment-of-claims.md` — Read the agent-friendly Markdown representation of this episode resource.

A page view does not enqueue transcription. Agents should invoke `request_transcript` explicitly when they need this episode processed.

## Transcript

Full transcripts are not published on public pages unless there is a clear rights basis.