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What death benefits does workers’ compensation cover?

On Behalf of | Mar 18, 2022 | Workers' Compensation

Catastrophic workplace accidents can devastate the lives of injured workers and their family members. Although workers’ compensation benefits can help individuals pay their bills while recovering from their injuries, the payments can also be a vital lifeline that helps families stay afloat following a loved one’s death.

Workers’ compensation pays families the following death benefits.

Medical Bills

Before death, workers who sustain lethal job site injuries may require significant and costly medical care. Without workers’ compensation insurance contributions, medical expenses for catastrophic injuries can destroy families’ finances. Although insurance payments may depend upon a treatment’s medical necessity, insurers approve most charges.

Funeral Expenses

Survivors of workers who die on the job can expect to receive a maximum compensation amount of $3,500 to cover funeral and burial expenses. Survivors who pay less than $3,500 for a deceased’s funeral and burial will receive reimbursement for their actual costs.

A Percentage of a Worker’s Wages

In New Jersey, families with five or more dependents may receive up to a 70% of a deceased worker’s most recent weekly wage, up to $969 for 450 weeks. Children may receive benefits until they turn 18 or 23 years old, depending on whether they are full-time students. In addition, dependent spouses and disabled children may receive benefits for the entire 450-week survivorship period.

The death of a worker due to a job-related accident can profoundly impact the lives of surviving family members who struggle to understand their rights while grieving. Workers’ compensation insurance benefits are indispensable for ensuring that families can continue to pay their bills while trying to adjust to a devasting loss.