The time limitation for the Combined Benefits option of First Party Benefits coverage will depend upon the state in which you live and their statute of limitations laws. Typically the benefit cannot exceed a period of 3 years and the insurance provider will only pay for expenses or loss incurred within three years from the date of the accident.

For more information regarding the coverage that you have, you can contact your insurance company to help you go over the terms of your policy and the time limitations. You may also want to contact your state's insurance regulatory body to get consumer information on the state's limitation laws or statutes.

First Party Benefits (FPB) is known most prominently in the state of Pennsylvania and thus if you are buying FPB in PA some companies term it "Pennsylvania Options." Depending on the specific FPB coverages you select, if you're injured in an accident, FPB can cover you and relatives residing in the same household for medical expenses, lost income, accidental death, and/or funeral costs. The amounts covered are capped at limits you select when you buy your auto insurance policy

The different types of Pennsylvania First Party Benefits (FPB) can include the options listed below.

First Party Benefits Medical - this type of coverage is required in PA and may also be termed as personal injury protection (PIP) by some providers. FPB Medical pays medical bills of the policyholder and others covered by the policy in the event of injury, regardless of fault in an accident. The mandatory minimum required by PA law is $5000 and is called Basic First Party Benefits coverage. Increased limits can be purchased to up to $100,000.

There are other optional First Party Benefit coverages that can be added to your policy for work loss, funeral benefits and accidental death. FPB Personal Injury Work loss provides reimbursement for lost wages due to an auto accident.

Funeral benefits pay funeral costs when you or a family member dies due to an auto accident. Accidental death pays benefits when you or a family member dies due to an auto accident. There are various limits which you can choose for each of these optional coverages.

Combination First Party Benefits provides a combination of coverages. It includes the required medical expenses coverage plus added coverages of work loss, funeral expenses and accidental death coverage. This type of coverage has a maximum combined limit of your choosing, up to $277,500.