Yikes, American capitalism at it's finest. WTF? Shocking, but apparently it's kind of common for employers to have what they call "dead peasant" policies on their workers without the workers or their families having any knowledge of said policies or receiving any of the benefits. Scary.
Does your boss want you dead? - MSN Money
Executives benefit from works' demise / 'Dead peasant' policies pay out to bosses when employees die - SFGate