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An Original Medicare claim must be filed no later than one calendar year (12 months) after you received the health service. For example, if you went to the doctor on December 1, 2015, the deadline for filing a Medicare claim would be December 1, 2016. If the claim is not received in time, Medicare will not pay its share.
It varies depending on the company and type of coverage. With most policies you can't file the claim until you have a certified death certificate. That can take from 2-days to 45-days to get. Then most life insurance companies will pay the claim within 30-days of receiving the death certificate and claim form. Some companies that specialize in funeral insurance coverage pay the claim within 2-days (usually within 1-day) with no death certificate needed.