Definition of Accidental Death Benefit
An accidental death benefit is payment paid to a beneficiary after an accidental death. The amount is paid by an insurance company if the insured dies from natural causes. Under most conditions the accidental death benefit extends up to a year after the initial accident if the beneficiary can prove the death was caused by the accident.
Insurers are notorious for attempting to deny accidental death policies by looking for exclusions. For example, some accidental death claims have been denied for automobile accidents if the insurer can find any evidence of negligent or intoxicated driving on the part of the deceased which they will use to deny coverage. Many claimants find their claim denied but are able to get legal representation to assist them to prepare their appeal to make sure they get the insurance benefits they are entitled to receive.