The day started just like any other day. You and your husband drank coffee together before heading to work. The thing is, this day ended differently. Your husband didn't come home. He suffered a tragic accident where he was working, and doctors weren't able to save him.
Unexpectedly losing a spouse like this is one of the most challenging experiences anyone has to endure. It could take years to come to terms with such a loss psychologically. However, aside from the emotional difficulties, you will also suffer financially. If your spouse was a major contributor to family income, your family might be unable to support itself anymore.
Fortunately, the Iowa state workers' compensation system can help. If you lost your spouse to a workplace accident, you might be able to receive workers' compensation death benefits.
What are workers' compensation death benefits?
Dependents of someone who dies on the job in Iowa can apply to receive workers' compensation death benefits. Surviving spouses can receive these benefits for life or until they get married again. Dependent children can also receive benefits until the age of 18, or until 25 if they qualify as financially dependent. As for other parties who depended financially on the worker, they may also be able to apply for a share of the death benefits if they can prove their status as actual dependents.
In addition to monetary payments representing death benefits, with certain limitations, families can also receive money to pay for end-of-life expenses. These may include burial expenses and memorial service costs.
Iowa laws promote the swift payment of death benefits to dependents. That way, families will not suffer from unnecessary financial hardship, which could serve to worsen their emotional suffering.
Learn more about your right to receive death benefits
Many Iowa family members do not know about their right to receive workers' compensation benefits following the death of their family member. When family members aren't aware of their workers' compensation rights, they can lose the opportunity to receive much-needed financial assistance at a time when they need it most.