Workers' Compensation Death Benefits

Did you know that by the 1920s almost all US states had some type of workers' compensation system? To learn more about your state's workers' compensation laws, contact an experienced attorney.

What Are the Vocational Rehabilitation Rights of Injured Workers?

After a workplace injury, notify your employer and get the medical treatment you need. Next, talk with a lawyer before you talk to the insurance company. Let us help you preserve your rights by calling us toll free at 866-763-6433.

Vocational rehabilitation is the process of rebuilding work skills as part of recovering from an injury or illness. Sometimes an injured individual can eventually return to his or her previous job. If an injury places long-term or permanent limitations upon the person, retraining for a new type of job may be necessary. Depending upon the law of your state, if you require vocational rehabilitation after a job injury or industrial illness, your employer or its workers' compensation insurer, or the state, or some combination of these three resources may be required to pay for your vocational rehabilitation services as part of your workers' compensation benefits.

If you or a loved one was injured or sickened on the job, consult a knowledgeable attorney as soon as possible at The Hoffmann Law Firm, L.L.C. in Saint Louis, MO, to learn what types of workers' compensation benefits your state allows, including vocational rehabilitation.

Examples

The amount and types of vocational rehabilitation provided to injured employees vary from state to state. Some of the vocational-rehabilitation services to which an injured worker may be entitled include:

On-the-job training
Transferable-skills analysis and testing
Resume and job-application services
Interview coaching
Labor-market surveys
Job analyses
Job-search assistance
Wage-assessment evaluations
Counseling
Ergonomics assessment
Americans with Disabilities Act (ADA) reasonable-accommodation assistance
Education and tuition payments for retraining

The actual vocational-rehabilitation benefits to which an injured employee will be entitled are determined not only by the employee's specific situation, but also by state statutory and regulatory limitations.

Employee Responsibility

In many states, employees have a responsibility to accept appropriate vocational rehabilitation services. Inherent in this responsibility is the requirement that the employee cooperate with vocational-rehabilitation efforts and make a valid attempt to return to suitable employment. Other states have different types of requirements. In certain states, for example, an injured employee is not required to participate in either physical rehabilitation or vocational rehabilitation, but a refusal to participate may affect eligibility for other workers' compensation benefits.

Warning to Employees: Depending on the state, if an employee does not cooperate with rehabilitation service providers, the workers' compensation carrier may reduce, if not suspend, wage-loss benefits during the time the employee refuses services. There may also be other negative consequences.

Employer Responsibility

Employers or their workers' compensation carriers may have statutory and regulatory responsibilities related to vocational rehabilitation. For example, a state may require an employer to offer rehabilitation counseling services to any employee who has injuries that result in a particular amount of lost time from work and the offer must be made within a certain number of days after the threshold has been reached. The details of such requirements may vary depending on the type of injury.

In some states, an employer may be required to pay for items such as tuition, living expenses, room and board, child-care expenses and travel expenses in addition to regular wage-loss benefits while an employee is participating in certain vocational-rehabilitation programs. Sometimes only specifically qualified individuals are allowed to provide vocational rehabilitation assistance to injured workers. For example, only individuals who are Certified Rehabilitation Counselors (CRCs), Certified Disability Management Specialists (CDMSs) or Certified Case Managers (CCMs) may provide vocational-rehabilitation assistance to injured employees in some jurisdictions.

Conclusion

The laws regarding the vocational-rehabilitation responsibilities of employers, insurers and claimants vary by state. If you or a loved one has a work-related injury or disease, a skilled lawyer at The Hoffmann Law Firm, L.L.C. in Saint Louis, MO, can answer your questions about the right to vocational rehabilitation.

DISCLAIMER: This site and any information contained herein are intended for informational purposes only and should not be construed as legal advice. Seek competent legal counsel for advice on any legal matter.

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In addition to workers' compensation benefits for workers for their job-related injuries and illnesses, if such maladies ultimately result in death, certain survivors have the right to receive death benefits through their states' workers' compensation systems. If you are the family member or dependent of an employee who died from an injury or sickness incurred in the course of his or her employment, a workers' compensation attorney at The Hoffmann Law Firm, L.L.C. in Saint Louis, MO, can advise you about workers' compensation death benefits.

The right to workers' compensation death benefits is usually created by state law and details of the program vary among the states. Therefore, it is crucial to understand the law in your particular jurisdiction. This article will summarize the typical features of death benefits in most states.

Beneficiaries

In most states, the designation of appropriate beneficiaries of workers' compensation death benefits looks at two main relationships:

Dependents
Members of the deceased's family or household

Death benefits are designed to provide monetary support for those people who will suffer most from the worker's death. Naturally, those dependent upon the worker for financial support will be negatively impacted by the death. Some states differentiate between those wholly and those partially dependent, with preference for naming the completely dependent people beneficiaries over those only partially dependent. In some states, partially dependent individuals receive reduced awards.

Sometimes certain family members, such as spouses and children, are presumed to be dependent without having to provide proof. However, if there has been a severance of the marital relationship, such as a voluntary separation with financial independence, a surviving spouse may not be assumed dependent.

Many states look at family relationships or household makeup. For example, sometimes states prescribe lists of familial relationships eligible for death benefits. Where states look to household membership, unmarried cohabiting partners, in-laws, stepchildren or stepparents, or even unrelated persons may qualify for death benefits, so long as they were living in shared households with the deceased workers, especially where financial dependence was present.

Generally, states are liberal in determining who should be named a beneficiary, consistent with the benevolent nature of the benefit.

Type and Amount

Beneficiaries receive benefits to cover funeral and burial expenses capped at certain levels varying widely from state to state. The other component of the death benefit is a monetary amount compensating for lost wages that is usually a percentage of weekly wages.

The length of time a beneficiary receives death benefits varies widely by jurisdiction. Depending on the state, a surviving spouse may receive benefits until his or her own death, for a set number of weeks, until remarriage or until another intimate relationship. A child usually receives death benefits until reaching the age of majority. Other types of dependents usually receive benefits for life or until they become financially independent.

Other Requirements

For the right to death benefits to accrue, some states require that the work-related death occur within a particular length of time after the work injury, after the last treatment for the work injury or after some other occurrence. Some states require continuous disability from injury to death.

Finally, although the cause of death must be a job-related injury or disease, usually the cause of death does not have to be exclusively that injury or sickness, as long as it contributes significantly to the death.

Pending Claims or Accrued Benefits

A living employee's workers' compensation benefits are considered separate and distinct from the death benefits generated later for beneficiaries. When accrued regular workers' compensation benefits are due a worker at the time of death, most states provide either that these accrued benefits pass through the estate of the deceased or to dependents. A death benefit award is a separate claim.

Speak to a Workers' Compensation Lawyer

If you are the surviving spouse, child, relative, dependent or household member of someone who died from a work-related injury or disease, you may have a claim for workers' compensation death benefits. Do not delay in obtaining legal advice and filing an application; your state probably has time limits for applying. A workers' compensation lawyer at The Hoffmann Law Firm, L.L.C. in Saint Louis, MO, can answer your questions.

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