Being in a coma for two years may be unlikely but being out of touch with one particular online platform/blockchain for an extended period is not necessarily unlikely. We're all here using it actively right now, but not everyone with a stake is doing that now or will necessarily be doing so in the future.
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I have an alternative design idea. Let the trusted agent (originally chosen by the user) initiate a transfer based on death report, and if the user doesn't sign a refutation within 1 year, then the inheritance transfer becomes final. The trusted agent is kept up-to-date by the user on contact details (which can be recorded on the blockchain encrypted and signed by both parties), so it can be settled in a court-of-law if the trust agent violated its obligation to attempt to notify the user which can be a means of restitution if there is an errant inheritance transfer. Note the transfer agent who transfers an inheritance to parties which can't be identified and questioned by the court, is likely going to be found liable by the court.