I am curious as to just when time dilation plays a part as an effect of GR. I am told that clocks tick slower in a gravitational field. Is this an accurate portrayal, or would it be more accurate to say that time ticks slower in all accelerating reference frames? That is, does GR time dilation occur only when a reference frame is diverted from a geodesic? I'm asking because I wonder if a body falling in a gravitational field would experience time dilation, since this is evidently an inertial reference frame. My guess is that time dilation only occurs for objects that "feel" acceleration, like us as we sit in our chairs. Of course, SR would dictate that relative velocity due to gravitational acceleration would cause time dilation, but that's a different matter entirely. Also, with respect to what reference frame is time dialated in an accelerated reference frame? An inertial reference frame of the same instantaneous velocity?