My husband fell at work, it was the 1st day of the 3rd week of employment. He died as a result of the fall. He was 37 and a father aswell. Since he had only been with the company roughly 3 weeks they say he didn't qualify for life insurance even though he died on their warehouse floor due to their negligence and that myself and his children will not receive health insurance because again, he didn't qualify. It hadn't been 90 days yet. He would have qualified had he not been killed on the job. So, we receive a small amount weekly from WC and because he hadn't been on the road yet and wasn't earning the commision he was promised we don't see any of that. We are now on Food Stamps and Medicade and barely getting by. I have tried for over a year to get the insurance company to give me and my lawyer an estimate if I deside to take a lump sum payout. As of yet, we are both getting the run around. Because my husbands ex-wife will not take a lump sum for their 2 children I am being told that our daughter and myself can't either. I have to have my husbands EX make this decision for US??? I have been able "roughly" to figure out what each of us will receive over the years and I feel this can be split so my family doesn't have to depend on FS and Medicade to survive. The WC is split between 4 and it would be a 2-2 split. Can the insurance company do this? Do all parties have to agree? Can we get health insurance from them? Also, are we entitled to life insurance because he died AT work? Thank you for reading!