I can not even imagine the horror of a spouse or parent going off to work as healthy as can be and then having an unexpected death. Sadly, it happens a lot in Illinois. In the last year alone we have been consulted on cases where people have died on the job from gun shots, car accidents, being crushed by a machine, heart attacks while lifting heavy material, truck crashes and assaults.
While it is little consolation, Illinois workers’ compensation law provides very strong benefits. This includes:
- Funeral payments up to $10,000
- Payment of all medical bills related to the accident
- Payment of 2/3 of the decedents average weekly wage for up to 25 years or $500,000, whichever is greater
Obviously the last benefit is the most important one and it is available to spouses, minor children or others who were financially dependent on the person who died.
A question we have received multiple times is when should these benefits start? The answer is immediately.
Unless there is some real dispute as to whether or not the death is work related, payments should start right away. If your spouse is killed as a passenger in a car crash on the way to visit a client, there should be no dispute. If they died of a heart attack, it might be reasonable to investigate what they were doing when that happened. You have to prove the job activities increased the risk of the heart attack happening.
The reality is that insurance companies are ruthless and make money by not giving it away or paying when they are supposed to. So even in situations that seem obvious, they will claim to be conducting an investigation when in reality they hope that you will just give up or some miracle evidence will occur. That is true even in obvious cases like dying in a car accident on the way to visit a client.
The only possible defense to a car accident death on the job would be if you were driving inebriated or recklessly. Those facts are usually readily available, but we have seen insurance companies take months to “investigate” what happened.
Or in another situation we consulted on, a worker was shot and killed while being robbed at gun point. When the victim’s spouse called us it had already been four months since the death and no benefits had been provided. That is shocking, disturbing and simply gross.
Insurance companies have the right to withhold payments when there are legitimate questions or disputes. In most death on the job cases in Illinois, there is no dispute. That does not stop some insurance companies from violating the law.
When this happens, the only option is to hire an attorney who can file a motion for benefits to be approved as well as penalties and fees for an unreasonable delay. Some people do not want to do that because they will then have to pay the lawyer 20% of what is recovered. The good news on that is that in cases like this, attorney fees would be capped.
Beyond that, if you hire a lawyer right away after the death just to make sure nothing goes wrong, attorney fees are limited to $100 if there is no actual dispute at all. We have helped multiple families over the year this way and it is our pleasure to take no fee when we simply act as a security blanket in case the insurance company does something wrong.
If you have any questions about this or would like help with a case, call us at 312-346-5578 for a FREE, no commitment call with a lawyer. We help all over Illinois.








