When people leave for work in the morning, their family members usually don’t worry about their safety. After all, every industry is subject to workplace safety regulations. Most families expect to have decades together with their loved ones.
Unfortunately, fatal incidents can occur with little warning in many different job environments. Machinery malfunctions, car crashes and even workplace violence could have tragic consequences. Family members who have recently lost a loved one due to their employment may have many questions about the future.
While workers’ compensation benefits do not fully offset the consequences of a premature passing, there are several ways in which benefits can support grieving families. What resources can workers’ compensation provide to those who lost a family member because of a job-related injury or illness?
Medical benefits
Whether a worker developed a major illness or sustained a significant traumatic injury, they may have received intensive medical support prior to their passing. Even if the worker has health insurance, there could be a large deductible that their family members have to cover.
The medical coverage available through workers’ compensation can cover all necessary medical care associated with a job-acquired health condition. Families can reduce or even eliminate end-of-life care costs with workers’ compensation coverage.
Survivor benefits
If a professional sustains a major injury on the job, workers’ compensation could replace a portion of their wages until they return to full-time employment. Surviving family members can also theoretically secure ongoing financial support through workers’ compensation. Families can receive up to 25 years of regular wage replacement benefits or up to $500,000, whichever is greater.
Funeral benefits
Planning a service for a deceased loved one is frequently a top priority after a tragedy occurs. The cost of burying a loved one and holding a service in their honor can quickly add up to a surprising amount. Workers’ compensation can cover up to $8,000 in funeral expenses. Families can use this benefit to pay for a viewing/memorial service, interment or cremation.
Securing workers’ compensation benefits after a job-related fatality can help families reduce the lingering consequences of a recent tragedy. Surviving dependent family members may be eligible for an assortment of benefits that can reduce the economic impact of suddenly losing a loved one.