If you work in a dangerous job, you might worry about what will happen to your spouse and kids if you die in a workplace accident. If your spouse works in a profession like logging or construction, you may worry that an injury would not only take your spouse away but also leave your family destitute.
Many families in Ohio don’t have enough set aside in savings to offset the sudden loss of one of the family’s wage earners. Are there any protections for the families of people who died on the job?
Ohio’s workers’ compensation program covers surviving dependents
Anyone employed by a company generally has coverage under workers’ compensation insurance. If they get hurt, workers’ compensation will pay for their medical costs and replace some of their lost wages.
If a tragedy occurs when someone dies at work or because of a work acquired medical condition, death benefits through workers’ compensation can help protect their family from the financial fallout of such a loss.
How workers’ compensation helps family members
The cost of the funeral alone could drain your family savings account. Thankfully, workers’ compensation will cover up to $7,500 worth of funeral and burial expenses.
It will also cover 100% of the medical care someone received because of a work injury prior to their death. The surviving family members can also receive ongoing benefits every two weeks to replace some of the wages their loved one would have learned.
Trying to file for benefits can mean handling complicated paperwork while already dealing with a difficult time. Grieving families may find they have an easier time if they get legal assistance with what can be a time-consuming and frustrating process.