Workers’ Comp in Illinois

Workers’ Comp in Illinois

According to the Illinois Department of Public Health,1 more than 154,000 people suffered injuries or illnesses related to their jobs in a single year in Illinois. Job-related injuries and illnesses can result in the need for extensive medical treatment and time off work during recovery, both of which can cause serious financial problems for the victim and their household. To protect injured or ill workers, our state requires employers to carry workers’ compensation insurance and these regulations are enforced by the Illinois Workers’ Compensation Commission (IWCC).2 Who is Covered by Workers’ Compensation Insurance? In order to be eligible for workers’ comp benefits, you must be an employee of your company. Independent contractors are not covered by workers’ compensation laws and will not qualify for benefits if they are injured performing a job. Next, you must have sustained an injury or illness that is directly related to or that resulted from your job. This can include a workplace accident, repetitive stress injuries, and illnesses from working conditions. What Benefits are Available? If you qualify for workers’ compensation, you can receive some or all of the following benefits, depending on the nature and severity of your injuries: Costs of medical care – Workers’ comp should cover all of the costs of your medical treatment, including emergency care, doctor visits, medications, surgeries, and more. Wage replacement – If you have to miss work because of your injury, you can receive benefits to replace the income you lose due to time away from work. While you will not receive the full amount income you lost, partial wage replacement can help a lot in...

Southern Illinois Workers’ Compensation Basics

Illinois workers’ compensation benefits[1] provide money and medical benefits to an employee who has an injury as a result of an accident or occupational disease on-the-job.  Workers’ compensation is designed to protect workers and their dependents against the hardships from injury or death arising out of the work environment. Disability Benefits The primary role of disability benefits is to compensate an individual for wages lost while the injury or illness made it impossible to work. Disabilities fall into one of four categories depending on whether they are total or partial, temporary or permanent. Temporary total disability:  Prevents an individual from working for a limited amount of time. The vast majority of Southern Illinois workers’ compensation disabilities fall into this category. Temporary partial disability: A disability that prevents an individual from doing some of the duties of the job for a limited amount of time. Permanent total disability: Disability that prevents an employee from ever returning to work. Permanent partial disability: Occurs when the damage is permanent, but only partially impairs the ability to work. If an employee’s injury or illness places them in any one of these categories, they are entitled to some form of disability benefit. The exact benefit that the employee will receive is based on the amount of money that they were earning prior to the injury. Marion Death Benefits The Illinois workers’ compensation program provides a death benefit to people who were related to the deceased worker, such as a spouse, child or parent, and were financially dependent on that person. The main purpose of the benefit is to compensate dependent family members for the...