# Minnesota — How long an insurer has to acknowledge, decide and pay a claim, by state: statutory and regulatory claim-handling deadlines

For Minnesota, obligation is reply to communication; deadline is within ten business days; day type is business days; clock starts from is receipt, to all other communications about a claim from an insured or a claimant that reasonably indicate a response is requested or needed; citation is 72A.201, recorded from its source on 2026-08-11.

- **State:** Minnesota _(our reading, not quoted from the source)_
- **Obligation:** reply to communication _(our reading, not quoted from the source)_
- **Deadline:** within ten business days _(verified: appears in the quote below)_
- **Day type:** business days _(verified: appears in the quote below)_
- **Clock starts from:** receipt, to all other communications about a claim from an insured or a claimant that reasonably indicate a response is requested or needed _(verified: appears in the quote below)_
- **Citation:** 72A.201
- **Instrument:** statute _(our reading, not quoted from the source)_

## What the source says

> failing to reply, within ten business days of receipt, to all other communications about a claim from an insured or a claimant that reasonably indicate a response is requested or needed

## Source

- https://www.revisor.mn.gov/statutes/cite/72A.201

Last verified: 2026-08-11. Review by: 2026-12-09.
Part of [How long an insurer has to acknowledge, decide and pay a claim, by state: statutory and regulatory claim-handling deadlines](https://referencesource.org/insurance-claim-handling-deadlines/).