Advanced Diploma of Financial Planning (ADFP) Practice Test

Who may be eligible for benefits after a worker's death?

1. Only elderly parents

2. The worker's employer

3. Certain members of the worker's family

4. Only spouse and children

The correct answer is: Certain members of the worker's family

The correct answer highlights that certain members of the worker's family may be eligible for benefits following the worker's death. Typically, eligibility for benefits is extended to a range of family members, which can include spouses, children, and possibly other dependents, depending on the specific benefits program in question. This ensures that those who were financially reliant on the worker can receive necessary support after their passing. The scope of beneficiaries is broader than only spouses and children, as it can also encompass parents, siblings, or other relatives who may have been dependent on the worker's income. The focus is on the family unit as a whole, recognizing the various forms of relationships that can create dependency. Understanding the qualifications for benefits allows for more comprehensive financial planning and supports the idea that benefits are meant to assist those directly affected by the worker’s loss.