The provision that defines to whom the insurer will pay benefits to is called
Proof of Loss
Payment of Claims

Proof of Loss is a provision that an insurer may require from an insured before it will provide coverage for a certain claim. This provision requires the insured to verify the existence of the loss and demonstrate that the covered cause of loss has occurred. It will also provide information regarding the extent of the insured’s loss, including the amount of the claim, and any time periods for which the insured expects benefits. This provision can be included in the insurance policy and will help the insurer to determine whether it is liable for the claim. Payment of Claims is the provision that outlines how and when the insurer will pay benefits to the insured person. This typically includes the total amount of the benefit, the payment schedule and type of payment, as well as any other terms and conditions related to payment of the benefits.