If a written Proof of Loss for a Disability Income claim is submitted but the insurer does not respond, legal action can begin when?

When a written Proof of Loss for a Disability Income claim is submitted, the insurer has a specific period to respond. If there is no response from the insurer, the policyholder has the right to initiate legal action. According to insurance regulations, an individual can begin legal proceedings 30 days after the submission of the Proof of Loss if the insurer fails to provide a decision or response. This timeframe allows the insurer a reasonable period to evaluate the claim. The 30-day period is set to balance the interests of the insurer, who needs adequate time to assess claims, with the rights of the insured to seek resolution without undue delay.