The time limit is set by the states. I really can't recall what the time limit was, but different states did have different time limits. Contrary to what we "both know" We actually did check to see if we could locate a beneficiary four times per year, every 90 days (this was required by the states, I believe). We tried our best to not have to forward it to the state, since it was nearly impossible to get back if we ever had to pay the claim at a later date. That money does not end up in the insurance company's slush fund. Anyway, I don't have a link, and dont care to hunt it down.