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State | Coverage Requirement | Employee Eligibility | Medical Provider Choice | Wage Replacement % | Death Benefit Cap | Notes |
---|---|---|---|---|---|---|
Connecticut | 1+ employee | Employees only | Employer chooses initially, then employee may change | 75% of after-tax AWW | Funeral up to $4,000 + dependents | Broad coverage, incl. part-time |
Delaware | 1+ employee | Employees only | Employer/insurer chooses | 66 2/3% AWW | Funeral $3,500 + dependents | Covers most workers |
Maine | 1+ employee | Employees only | Employer/insurer chooses | 80% after-tax AWW | Funeral up to $4,000 + dependents | Broad farm worker coverage |
Maryland | 1+ employee | Employees only | Employer chooses | 66 2/3% AWW | Funeral up to $7,000 + dependents | Agricultural workers exempt under 3 |
Massachusetts | 1+ employee | Employees only | Employee can pick doctor | 60% of gross AWW | Up to $4,000 funeral + dependents | One of most worker-friendly |
New Hampshire | 1+ employee | Employees only | Employee can pick | 60% AWW | Funeral $10,000 + dependents | Volunteers covered in some cases |
New Jersey | 1+ employee | Employees only | Employer chooses | 70% AWW | Funeral up to $5,000 + dependents | Very broad coverage |
New York | 1+ employee | Employees only | Employer chooses from state-certified list | 66 2/3% AWW | Funeral $6,000 (metro) or $5,000 (elsewhere) + dependents | Self-insurance allowed |
Pennsylvania | 1+ employee | Employees only | Employer provides list of 6 doctors; employee must pick from list (first 90 days) | 66 2/3% AWW | Funeral up to $3,000 + dependents | Strong mediation/dispute system |
Rhode Island | 1+ employee | Employees only | Employee chooses | 75% of spendable earnings | Funeral $3,600 + dependents | Covers apprentices, minors |
Vermont | 1+ employee | Employees only | Employee chooses | 66 2/3% AWW | Funeral up to $5,500 + dependents | Covers most farm workers |
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