Final answer:
The accidental death rider in insurance policies usually specifies that death must occur within 90 days after an accident for the accidental death benefit to be payable. This is separate from pharmaceutical reporting to the FDA, which involves a 15-day period for reporting serious adverse drug events.
Step-by-step explanation:
The accidental death rider typically mandates that the death occur within 90 days after the accident. This is a common provision in life insurance policies that adds a benefit for accidental death, alongside the policy's standard death benefit.
In the context of pharmaceuticals, drug sponsors must report serious and fatal adverse events to the FDA within 15 days, but this is a separate matter from insurance policies. It is important to understand that the accidental death rider is specific to insurance and is not directly related to pharmaceutical reporting guidelines.
It should be noted that the specific timeframe after the accident in which death must occur for the accidental death benefit to be payable can vary slightly among different insurance providers, but 90 days is a common standard. Policyholders or beneficiaries should review their individual policies for exact terms.