Oh, ok
The location of your posts are showing as USA, so I thought you are based in USA.
Many companies provide group insurance paid by the company as a means of covering the risk of liability under employee compensation act (the act was earlier called workman compensation act, name changed with definition to cover not only workers but all employees of the company). These group insurance covers are called WC Insurance, though they are actually a form of group accident cover.
I do not know the details of the cover taken by your company. So I can not comment of whether it is a WC insurance (which is now mandated by law) or a pure group accident cover. Irrespective of how the cover is designed, you are entitled to full compensation under EC act.
I would suggest you go to the labour office with all details and documents and explain to the chief commissioner or whoever is the authority the matter. He will be able to tell you the amount of compensation you are entitled to. There is a form you can fill and give him officially lodging a claim of compensation. The commissioner will the initiate an enquiry and ensure that the compensation is give to you. I understand the time limit for completing the process is 3 months to ensure there is no delay.
If you have a copy of the insurance cover, please see whether the money is due to the company or to you as the heir of your son. If the money is due to you (and not to the company), the you can directly approach the insurance company for the money independent of the process under EZc act.
Hope this is of help to you.
Our seniors will correct any error I may have made in the process above