Workers Compensation In Illinois: How Does It work?

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Illinois hosts over 500 companies representing the state’s economic activities. These activities include agriculture, automotive, and healthcare. Whether small or large, a business in Illinois is legally required to purchase insurance for its workers.

Before the passing of the first workers’ insurance law in Illinois in 1912, employers were not legally obligated to compensate their employees or families due to work-related injuries or even death. Therefore, parties would go to civil courts for resolution when such cases occurred.

The Illinois workers compensation law protects employees by paying for damages in the event of workplace injury. Read on for more details on how this law works.

Who Should Have Workers’ Compensation In Illinois?

Illinois law requires all employers to have workers’ compensation for their employees. If you are a business owner, you are exempt if you lack employees, but having coverage is important to protect yourself.

What Does Workers Comp Cover In Illinois?

An Illinois workers comp will cover the following:

Present And Future Medical Care

Workers comp will cover your medical care expenses as you recover from your work-related injury or illness. Accessing a medical care benefit requires authorization through workers comp.

Rehabilitation And Maintenance Benefit

When you sustain injuries that cause temporary or permanent disability and cannot return to regular work, you can receive job training, counseling, or relevant assistance to secure new employment. Enrolling in a rehabilitation program will give you a maintenance benefit similar to your temporary total disability rate.

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Death Benefits For Surviving Dependants

In fatal incidents causing the death of an employee, the surviving spouse and dependents are entitled to death benefits. These benefits are usually two-thirds of the employee’s average weekly pay. The family can also receive compensation for burial expenses.

Workers’ compensation does not cater to pain and suffering from work-related injuries. While this is an imbalance, it is more of a trade-off as access to the workers comp does not require filing a lawsuit. However, depending on your case, you can file a lawsuit outside this compensation system.

What Are The Consequences Of Not Having A Workers Comp?

As an employer, failure to have coverage for your employees will attract a fine of up to 500 dollars a day. The penalties are even worse for corporate officers found guilty, as they can be personally liable if the company fails to pay the fines.

What To Do When Injured As An Employee In Illinois

If, as an employee, you are injured or get sick due to a job assignment, you are eligible for workers comp. You should inform your employer within 45 days of the predicament, who will inform the insurance company. If you cannot work for three days or more, your employer should continue paying you as they file the first report of your injury with the Workers Compensation Commission. Where your benefits are denied, your employer should provide a written explanation.

Enjoy The Benefits Of Workers Comp In Illinois

A workers comp is beneficial to the employer and employee in case of unfortunate incidents that injure the employee. An employee can focus on recovery as the compensation caters to their damages. Therefore, the business remains stable as the insurance caters to the expenses. 

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