How about partial benefits until the kids hit 18?
I’m not even sure that is required. I just posted a comment above this laying out my thoughts. It seems to me that if these people gave their life, that the entity that was paying them to risk their life should keep the families going for a few years. Give the wife a chance to grieve, meet someone new, and move on...
If the kids are young, there’s no need to keep it going until they are 18. I just think there should be a period of time for the family to collect themselves and move on.