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Accidental Death Benefit

   Also found in: Legal, Acronyms 0.01 sec.
Accidental Death Benefit
The benefit paid on accidental death and dismemberment insurance. In general, the accidental death benefit is paid if the policyholder dies as the result of a non-work related accident. A policy may also pay an accidental death benefit if the policyholder loses a limb or sustains some other, major injury. This benefit is over and above what the beneficiary would receive from a normal life insurance policy.


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Accidental Death Benefit provides a sum of money, in addition to the normal life cover under the policy, in the event of death solely through an accident, while Dismemberment Benefit pays out a lump sum of money in the event of accidental loss of sight or limb.
Firefighters often have been awarded accidental death benefits due to illnesses that can be linked to their jobs - cancer, for example.
If the death was found not to be from natural causes (such as an accident or a homicide), you will also need a copy of the investigative report to be eligible for additional accidental death benefits.
 
 
 
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