To the contrary, if it were intended to kill you it would be explicit. See all the examples I included in the OP.
The "present tense" argument doesn't hold water when you look at how spells are worded. Let's take a look at Alarm:
You set an alarm against intrusion...
Present tense. It describes a state change to the game world.
...Until the spell ends,...
Describes an ending to that state. We can conclude that the alarm state lasts until the spell ends.
Disintegration does not describe any such end to the changed state. We can conclude that this rider effect comes into play if the character ever dies in the future.