What are death benefits?

Provides surviving dependents with ongoing benefits and funeral expenses for work-related deaths.

Death benefits, in the context of workers' compensation, are financial benefits provided to the dependents of an employee who dies as a result of a work-related injury or illness. These benefits typically include a portion of the deceased worker's wages, which are paid to the dependents, such as family members who relied on the deceased for financial support. The purpose of death benefits is to alleviate the financial burden on the family by providing income that replaces some of what was lost due to the worker’s death. Additionally, these benefits commonly include coverage for funeral and burial costs, providing further relief to the family during a difficult time. Depending on the jurisdiction, the exact amount and duration of death benefits can vary, and they might be subject to specific eligibility criteria, such as proving dependency or substantiating the cause of death as work-related.

Imagine a construction worker who tragically loses his life in a worksite accident. He leaves behind a spouse and two young children who depended on his income. Because his death was work-related, his family is eligible to receive death benefits through workers' compensation. These benefits include a regular payment that covers a percentage of his average weekly wage, which helps his spouse cover day-to-day expenses. Additionally, the cost of his funeral and burial is covered, which relieves his family of this immediate financial stress. This support allows the family to focus on grieving and adjusting to their new reality without the intense additional worry of financial instability.

If you are a dependent of someone who passed away due to a work-related incident, it's important to promptly notify the deceased worker's employer and file a claim for death benefits. Make sure to gather all necessary documentation, such as proof of dependency and evidence that the death was work-related. Each state or jurisdiction may have different requirements and timelines, so it's wise to seek guidance from a legal expert or a workers’ compensation attorney to ensure you receive the benefits you are entitled to. Remember, these benefits are there to help you and your family during this difficult time, so don’t hesitate to reach out for assistance.