The applicant's two children were killed in a motor vehicle accident in India.
She applied for death benefits and funeral expenses over three years later.
The arbitrator held that territorial limits in the Insurance Act do not preclude accident benefits for out-of-country accidents.
The arbitrator also found that the applicant's profound grief, physical disability, and reliance on her deceased daughter constituted a reasonable excuse for the late notice.
The applicant was awarded death benefits for both children, having established she was dependent on her daughter for care and her son was financially dependent on her, along with $7,200 for funeral expenses.
