Payment deadlines
- Electronic claims
- 30 days (no format split)
- Paper claims
- 30 days (no format split)
Within 30 days of receiving a written claim, an insurer must pay it or deny it with a written explanation (§31A-26-301.6(3)(a)). The 30 days is not unconditional: a 15-day extension is available for matters beyond the insurer's control with written notice, income-replacement claims run on a separate 45-day track, and once requested information arrives the insurer has 20 days to pay or deny. Insurer-provider contracts may impose more stringent terms than the section.