What Is Worker’s Compensation?

More than 200,000 workers are injured in Illinois every year. Sometimes workers recover quickly and fully, while other employees become disabled or even die.

There is a way for injured workers and their families to be compensated for their injuries and lost wages – Workers’ Compensation.

What is Workers’ Compensation?

Simply put, workers’ compensation provides benefits to people hurt while they are working. Some injuries are caused by accidents, like falling from a tall ladder. Others arise from an individual’s regular repetitive duties, like carpal tunnel syndrome. Our workers’ compensation laws provide a way for people to recover from their injuries and re-enter the workforce if possible. In many cases, employees also receive payment for their lost wages.

The Illinois Workers Compensation Act requires employers to either buy insurance to cover injured workers or be self-insured.

When a work-related accident occurs, the employee notifies the employer, which then notifies its insurance company. The insurance claims administrator assesses factors like how badly the worker was injured, the time off needed to fully recover, and whether vocational rehabilitation is required. The insurance company either pays the injured person’s claim or rejects it. An injured individual who disagrees with the claims administrator’s decision might consider filing a claim with the Illinois Workers’ Compensation Commission.

An Illinois attorney who knows Illinois law can assist a worker every step of the way to make sure he or she receives the right financial recovery.

What Benefits are Available for Injured Workers?

According to the Illinois Workers’ Compensation Act, the following benefits are available for workers:

  • Medical care
  • Temporary total disability benefits
  • Temporary partial disability benefits for injuries occurring after February 1, 20016
  • Vocational rehabilitation or maintenance services
  • Permanent partial disability benefits
  • Permanent total disability benefits
  • Death benefits.

Of course, workers are not eligible for all of these benefits. If a workers’ comp claim is filed, the Illinois Workers’ Compensation Commission appoints an arbitrator who reviews documentation and evidence and decides if the worker’s claim is valid. The arbitrator may also decide on the amount and type of benefits available to the injured worker.

An attorney who knows Illinois workers’ comp law can help workers decide what benefits to apply for and then guide the worker through the claims process.

What are your options?

Find out if you can receive workers’ compensation benefits for your work-related illness or injury. To schedule your free initial consultation, call us today at 708-716-3441 or use the form located on our Contact Us page.

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