What is typically required for an insurance company to pay an accidental death benefit?

An insurance company typically requires that death occurs within a specified period following the accident to qualify for an accidental death benefit. The stipulation that death must occur within 90 days of the accident is standard in many accidental death insurance policies. This timeframe allows the insurer to establish a direct link between the accident and the subsequent death, ensuring that the cause of death is indeed the result of the accident and not due to unrelated factors that may arise later.

Other options might suggest variations of timeframes or conditions, but the 90-day requirement is commonly accepted and aligns with the intent of providing benefits related specifically to the circumstances of an accident. Therefore, the 90-day window is a key parameter that supports the necessary connection between the claim and the accidental event, reinforcing the need for timely and well-documented claims.