Depending on the game mechanics, you might at least (for the "stand and be beaten til you die" contingency for disconnect) have the players avatar put into some defensive stance that make the damage take a little longer to kill them (again if you game has such a thing and its easily identified by the server entity).
Also auto-logout (instead of just killing off the avatar) after some sufficiently long period (something a bit longer than relogging in time for the game).
If the player is in a hazardous situation they will likely be killed before this amount of time, if not hazardous situation then the player would have a chance to resume (again depends on the game and what things can happen and how bothersome to the players game experience it will be).
Ive seen some games that have a 'resume' state at the server (for the disconnected player) that can shortcut some of the login/game select/etc.. process to get the player back into their game faster.
Edited by wodinoneeye, 04 February 2013 - 11:02 AM.