What Is Workers’ Compensation and How Does it Work in IL?

If you’re like most workers, your primary goal is to go to work, do your job, and go home. However, when unsafe conditions lead to an injury on the job, this can complicate matters. Unfortunately, many workers are unfamiliar with the steps to take following a workplace injury, as these can be incredibly painful, lead to astronomical medical bills, and even hinder their ability to work and earn a living. As such, it’s imperative to understand the workers’ compensation system in Illinois and how it can help you. The following blog explores what you should know about these circumstances, including the importance of connecting with an Illinois workers’ compensation attorney to help guide you through this complex process.

What Is Workers’ Compensation and What Is Covered?

Workers’ compensation is a form of insurance that the vast majority of employers are required to carry in Illinois. This provides no-fault coverage if a worker is injured while on the job. Because this is no-fault coverage, you are generally unable to file a lawsuit against your employer, even if they were directly responsible for the accident that caused your injury.

As mentioned, this is a no-fault system, meaning you can still recover compensation even if you contributed to the accident that led to your injuries. However, there are some exceptions to this, such as if you were intoxicated on the job, engaged in horseplay, or physically fighting another employee.

Typically, all other injuries sustained during work-related activities are covered by workers’ comp. This includes, but is by no means limited to, the following:

• Broken bones
• Traumatic brain injuries
• Spinal cord injuries
• Soft tissue damage
• Burns
• Electrocutions
• Slip and falls
• Eye injuries
• Chronic illnesses

How Do I File a Claim if I’m Injured?

If you sustain an injury on the job, it’s imperative to take the necessary steps to protect yourself and the compensation you deserve. The most important thing you should do is formally report your injury to your employer. You must report the accident within 45 days in Illinois. Failure to do so can bar you from the right to file a claim.

In addition to informing your employer of your injury, you should seek medical attention as soon as possible after an accident. Not only does this ensure your health and well-being are prioritized, but it can help establish immediate care, which can assist you in filing a claim for compensation. In Illinois, you have the right to see any doctor you wish, and you do not need to go to a provider approved by your employer.

Finally, you must file a claim with the Illinois Workers’ Compensation Commission (IWCC) to fight for the compensation you deserve. While many assume this process is as simple as filing a form and waiting for a check in the mail, this is far from the truth. As such, it is in your best interest to connect with an experienced workers’ comp attorney to discuss your legal options and help you fight for the best possible outcome for your unique circumstances.

At the Law Firm of Kevin A. Moore, we understand how difficult these matters can be to navigate on your own. That is why we are committed to helping you through this process so you can feel confident in the outcome of your claim. Contact us today to learn how we can assist you.