If a claim is not denied within 90 days, the claim is presumed to be denied unless rebutted by later evidence.

• A. Denied
• B. Accepted
• C. Deferred
• D. Not denied

Answer: (A)

The main idea is that processing timeliness creates a default outcome. In California Self‑Insurance Plans claim handling, there’s a rule: if no denial is issued within 90 days, the claim is treated as denied by operation of law. That means the status the claim takes by default is denial, unless later evidence shows a proper denial or some other resolution. So the best description of the situation is that the claim is denied by default, which can be rebutted if new information demonstrates a timely denial or a different determination.

The other possibilities don’t fit. An accepted claim would require a positive approval rather than a failure to deny. A deferral isn’t the presumption at issue, and “not denied” would ignore the 90‑day rule and the default denial it creates.