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State | Coverage Requirement | Employee Eligibility | Medical Provider Choice | Wage Replacement % | Death Benefit Cap | Notes |
---|---|---|---|---|---|---|
Illinois | 1+ employees | Employees only | Employee chooses | 66 2/3% AWW | Funeral up to $8,000 + dependents | Broadest coverage |
Indiana | 1+ employees | Employees only | Employer chooses | 66 2/3% AWW | Funeral up to $7,500 + dependents | Farm/domestic exempt |
Iowa | 1+ employees | Employees only | Employee chooses | 80% of spendable earnings | Funeral up to $7,500 + dependents | Volunteer firefighters covered |
Kansas | $20,000 payroll threshold | Employees only | Employer chooses | 66 2/3% AWW | Funeral up to $5,000 + dependents | Small farms exempt |
Michigan | 1+ employees | Employees only | Employer chooses | 80% after-tax AWW | Funeral up to $6,000 + dependents | Self-insurance allowed |
Minnesota | 1+ employees | Employees only | Employee chooses | 66 2/3% AWW | Funeral up to $15,000 + dependents | Covers farm/ag workers |
Missouri | 5+ employees (construction = 1+) | Employees only | Employer chooses | 66 2/3% AWW | Funeral up to $5,000 + dependents | Farm/domestic exempt |
Nebraska | 1+ employees | Employees only | Employer chooses | 66 2/3% AWW | Funeral up to $10,000 + dependents | Covers minors/apprentices |
North Dakota | 1+ employees | Employees only | Employer chooses | 66 2/3% AWW | Funeral up to $10,000 + dependents | Monopolistic state fund |
Ohio | 1+ employees | Employees only | Employer chooses | 72% of gross (first 12 weeks), then 66 2/3% | Funeral up to $5,500 + dependents | Monopolistic state fund |
South Dakota | 1+ employees (not mandatory, elective) | Employees only | Employer chooses | 66 2/3% AWW | Funeral up to $10,000 + dependents | Coverage not mandatory |
Wisconsin | 3+ employees (or $500+ payroll in 13 weeks) | Employees only | Employee chooses | 66 2/3% AWW | Funeral up to $10,000 + dependents | Oldest state WC law |
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