If you recently lost a loved one due to a work-related accident in Illinois, or if you work in a dangerous occupation and want to ensure your loved ones are well-cared for in the event of your untimely death, you may wonder if workers’ compensation covers death benefits. The short answer is yes, it does.
However, as with all types of benefits, workers’ comp law places limitations on who may collect death benefits. Insureon briefly outlines who may collect workers’ comp death benefits in Illinois.
Workers’ comp death benefits
Whether you or your loved one works in a dangerous occupation or does something safe, such as work at a desk, workers’ compensation law entitles you or your loved one to workers’ compensation death benefits. Individuals who may collect said benefits include the following:
- The deceased’s spouse
- Minor children of the deceased
- Children who are younger than 25 and who are full-time students
- Mentally or physically incapacitated children of any age
In some cases, a parent, grandchild or adult child may collect workers’ comp death benefits upon the death of a loved one. However, this is typically only allowable when there is no surviving spouse, minor children, or mentally or physically incapacitated child.
Workers’ comp death benefits amount
The purpose of workers’ compensation death benefits in Illinois is to account for the loss of income the family experienced as a result of the workplace-related death. Because of this, the benefits are fairly generous. Survivors of deceased workers may receive up to two-thirds of the deceased’s average weekly wage, so long as it falls within the state’s maximum and minimum amounts. Survivors may receive benefits for up to 25 years or up to the amount of $500,000, whichever comes first. Survivors may also use death benefits to cover funeral expenses up to $8,000.