In Illinois, workers’ compensation coverage is required by federal laws. Employers purchase the insurance if they hire more than one employee. The policies provide funds for medical expenses and to replace wages for qualifying workers. A Workplace Injury Lawyer in Rockford Illinois assist workers who are denied the benefits.
What Kind of Injuries Are Covered Under Workers’ Compensation?
Any physical injuries or conditions produced while the worker was performing job duties are covered under the policies. Injuries that result from OSHA failures are also covered. Off-site work environments are identified as the workplace under certain conditions. Injuries that happen in the off-site workplaces are covered.
What Kind of Injuries Aren’t Covered Under Workers’ Compensation?
Self-inflicted injuries are not covered by the insurance. Any injuries related to a crime committed by the worker and injuries that didn’t happen on the job aren’t covered. Any injuries that resulted from a failure to follow company policies aren’t eligible for coverage, either.
What Services Are Available for Injured Workers?
Eligible workers receive payments for medical and/or rehabilitative services. Workers with temporary or permanent disabilities receive monetary benefits. The payments equate to up to eighty percent of the employee’s wages. Payments for retraining programs are also available to injured workers. The programs prepare the workers for a different career if they can’t perform their current work duties anymore.
Who Oversees Workers’ Compensation Claims?
The Illinois Workers’ Compensation Commission oversees all claims filed by employers. The agency reviews claims and ensures that employers follow all related federal laws. The laws prevent unethical practices by employers. It is unlawful to deny benefits to eligible workers.
When Do Workers File a Lawsuit?
Any unlawful denial of benefits gives the worker the right to file a legal claim. The lawsuit is filed against the employer and their insurer. The award equates to the full cost of medical expenses and lost wages.
In Illinois, workers’ compensation insurance presents adequate funds for injured workers. The employer files a claim through their insurance carrier when an injury occurs. Any medical services required for the identified condition are paid through the claim. Workers who need help from a workplace injury lawyer in Rockford, Illinois can visit our website for more information and to schedule an appointment now.
