Death Benefit

Death benefit is payable in the case of death of an insured employed person as a result of an employment injury or disease.

This benefit includes widow’s / widower’s death benefit, child’s death benefit and parents death benefit.

  • A widow’s death benefit is payable to the widow if at the time of her husband’s death was pregnant by the deceased or had the care of a child of his under 16, or was over the age of 50 or permanently incapable of self-support.
  • A widower’s death benefit is payable to the widower if at the time of the death of his wife, had the care of a child of hers under 16 or was over the age of 50 or permanently incapable of self-support.
  • A child’s death benefit is payable in respect of each child who is a minor if the child at the time of the death of the parent, was living with him or was wholly or mainly maintained by him.
  • A parent’s death benefit is payable in respect of each parent who was wholly or mainly maintained by the deceased, provided that the total death benefit payable is not exhausted by the surviving spouse and children.

Death Grant

A death grant is payable in respect of the death of:

  • an employed person who dies as a result of injury caused by an employment accident or disease;
  • a person who at the time of his / her death was entitled to death benefit; or
  • the dependant spouse or child of a person entitled to death benefit.

The amount of the grant is $2,000.00

The death benefit continues to be payable as long as the conditions continue to be satisfied. The payment of widow’s/widower’s death benefit ceases with the re-marriage of the beneficiary and the child’s death benefit ceases when the child becomes of age.

The total amount of death benefit payable is 60% of the average weekly earnings of the deceased person in the last 13 weeks before the week in which the accident occurred. Widow’s / widower’s death benefit is 50% of the total death benefit. Child’s death benefit is 25% and if the child is incapable of self-support, 40%; parent’s death benefit is 40%.

When the amount of death benefit payable to all beneficiaries exceeds 60% of the average weekly earnings of the deceased, the amount payable to each beneficiary is reduced proportionately.