CurrentAlabama Department of InsurancePolicy N/A

Accidental death policy limitation on payment

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This bulletin explains Alabama's rule requiring insurers to pay accidental death benefits if the accident occurs during coverage and death occurs within the policy-specified post-accident period (minimum 90 days); it applies to insurers offering accidental death policies or riders in Alabama.

Policy Summary

PayerAlabama Department of Insurance

PolicyAccidental death policy limitation on payment

Policy CodePolicy N/A

Change TypeNo material changes

Effective DateOct 26, 1998

Next Review DateN/A

Key ActionInsurer must pay accidental death benefit when the accident occurs during coverage and death occurs within the policy-specified period (minimum 90 days).

SourceLink

POLICY UPDATE CHANGES

No material clinical or coverage changes in this revision.

90 daysminimum post-accident period

2 conditionsconditions for payment

Oct 26, 1998bulletin date

Accidental Death Benefit Criteria

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CurrentAlabama Department of InsurancePolicy N/A

Accidental death policy limitation on payment

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Sign up for all Alabama Department of Insurance policy alerts

Know when Alabama Department of Insurance releases new policies or updates existing guidance.

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Policy Summary

PayerAlabama Department of Insurance

PolicyAccidental death policy limitation on payment

Policy CodePolicy N/A

Change TypeNo material changes

Effective DateOct 26, 1998

Next Review DateN/A

Key ActionInsurer must pay accidental death benefit when the accident occurs during coverage and death occurs within the policy-specified period (minimum 90 days).

SourceLink

POLICY UPDATE CHANGES

No material clinical or coverage changes in this revision.

90 daysminimum post-accident period

2 conditionsconditions for payment

Oct 26, 1998bulletin date

Accidental Death Benefit Criteria

Accidental death benefit payment criteria

Insurer payment criteria for accidental death benefits under Alabama rules:

ALL of the following

ALL of the following
- Accident causing death occurs within the coverage period
- Death occurs within the time period following the accident as indicated in the policy or rider (time period may not be less than 90 days)

Key Policy Values

inv-02: Minimum post-accident death period (policy-specified minimum)

Minimum post-accident death period90 days

AuthoritySection 27-14-9(5), Code of Alabama 1975

Applies toPolicy or rider time period following the accident as indicated in the policy/rider

RestrictionTime period specified in policy/rider cannot be less than 90 days

Required Insurer Action

Prior Authorization

Payment requirement for accidental death benefits

Insurer must pay an accidental death benefit when both (1) the accident causing death occurs during the coverage period and (2) death occurs within the time period after the accident as specified in the policy or rider; that time period may not be less than ninety (90) days. Provisions that require the policy or rider to be in force at the time of death are not approved by Alabama.

Accident must occur within the coverage period.
Death must occur within the policy/rider‑specified post‑accident period (minimum 90 days).
Any provision requiring the policy or rider to be in force at time of death will not be approved.

Definitions and Minimum Period

inv-04: Accidental death benefit payment conditions — condensed condition listing

Condition 1Accident causing death occurs within the coverage period

Condition 2Death occurs within the time period following the accident as indicated in the policy or rider (not less than 90 days)

Prohibited provisionProvisions requiring the accidental death policy or rider to be in force at the time of death will not be approved

Regulatory basisCommissioner may disapprove forms containing provisions that are unfair, inequitable, or contrary to public policy (Section 27-14-9(5))

inv-05: Minimum post-accident period — ninety (90) days

Minimum specified periodNinety (90) days

ContextMinimum time between accident and death that may be specified in a policy or rider

Document dateOctober 26, 1998

Policy Summary

PayerAlabama Department of Insurance

PolicyAccidental death policy limitation on payment

Policy CodePolicy N/A

Change TypeNo material changes

Effective DateOct 26, 1998

Next Review DateN/A

Key ActionInsurer must pay accidental death benefit when the accident occurs during coverage and death occurs within the policy-specified period (minimum 90 days).

SourceLink

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