Accidental Death Benefit

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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.
References in periodicals archive ?
Arruda's wife, Denise, filed for accidental death benefits as a beneficiary of the policy around Aug.
The petitioners filed an application for payment of an additional sum of Rs.500,000 on account of accidental death benefits in view of the notification dated 13-8-2008 issued by Punjab Rural Support Programme.
-Group life insurance policy covering the period during which the deceased died, did not provide for accidental death benefit Impugned order was therefore, not sustainable in the eye of the law and was set aside.
He submits that other than the aforesaid payment, which was made under the Group Life Insurance Policy, no additional accidental death benefit was liable to be paid to the respondents.
He further submits that the respondents were liable to be paid a sum of Rs.1,000,000 under the insurance policy and that the payment by way of accidental death benefit was liable to be made to the respondents.
The grievance of the respondents was that vide notification/order dated 13-8-2008, contributory benefits and additional provision of accidental death benefit (ADB) was made available to the employees.
The crux of the matter is that the group insurance policy issued by the State Life Insurance Corporation of Pakistan covering the period from 31-12-2009 to 30-12-2010 did not provide for accidental death benefit. Consequently the State Life Insurance Corporation of Pakistan was liable to and actually paid the said amount of Rs.500,000 as per its obligation under insurance policy.
The letter dated 13-8-2008 relied upon by the learned counsel for the respondents which referred to accidental death benefit does not help the case of the respondents in view of the fact that the same related to group life insurance policy taken by Punjab Rural Support Programme Guarantee Ltd.
"Denise Arruda brings this action against Zurich American Insurance Company ('Zurich') seeking accidental death benefits pursuant to an employee welfare benefits plan stemming from the death of her husband, Joseph Arruda, in a car accident.
Doug Murphy, CLU, ChFC, MSM Accidental Death Benefits;
Berekson, "Group Accidental Death Benefits: An Inherent Contradiction," Benefits Quarterly, First Quarter 1985, pp.