AD Banker Comprehensive Practice Exam

What do death benefits under Workers' Compensation typically include?

1. Are limited to two times your annual salary

2. Are $1,000 and must be requested within 90 days from the date of death

3. Are not provided

4. Include both a one-time burial allowance and a weekly benefit for a surviving spouse and/or children

The correct answer is: Include both a one-time burial allowance and a weekly benefit for a surviving spouse and/or children

Death benefits under Workers' Compensation are designed to provide financial support to the dependents of a worker who has died as a result of a work-related injury or illness. This coverage typically includes both a one-time burial allowance to assist with the costs associated with the funeral, as well as ongoing support in the form of weekly benefits for the surviving spouse and/or dependent children. This is vital as it helps to alleviate the financial burden faced by families who lose their primary breadwinner. The rationale behind this structure is to ensure that the affected family members can maintain a certain standard of living despite the loss of income resulting from the worker's death. This comprehensive approach underscores the commitment of Workers' Compensation programs to provide not just immediate relief, but also long-term financial security for the family. Other options, such as limitations to a specific salary multiple or fixed cash amounts, do not reflect the full spectrum of benefits typically provided under Workers' Compensation. Furthermore, indicating that benefits are not provided at all contradicts the very purpose of these programs, which is to support families in times of need after a workplace tragedy.