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IL injury lawyerWhen a person suffers an injury in the workplace, it is the employer’s responsibility to pay for medical expenses and compensate the injured party for lost work time. After suffering an injury in the workplace, a person will be financially reliant on the workers’ compensation benefits, failure to secure those payments can result in serious financial instability. If you have been injured while at work, it is time to speak with a knowledgeable legal professional.

Understanding Temporary Disability Payments in Illinois

In the state of Illinois, a worker can pursue two types of temporary disability payments, based on the extent of their injuries. If a person has suffered injuries that are significant enough to keep them out of work entirely for a certain amount of time, the employer is obligated to make Temporary Total Disability (TTD) payments. The employer will be asked to pay two-thirds of the employee’s average weekly wages. If the employee is able to work a job that requires less physical stress to the injured area, the employer will be asked to make Temporary Partial Disability (TPD) payments. The amount of the payments will be calculated through subtracting the wage of the new temporary job from the wage of the employee’s old job, and compensating the employee with two-thirds of the difference between the two salaries. It should be noted that in both payment programs, the employer will be forced to pay for all medical expenses.

Reacting to a Workplace Injury

As soon as you suffer an injury in the workplace, you have an obligation to seek medical attention immediately. If you experience delayed symptoms after the incident, seek medical attention as soon as pain or injuries suffered begin compromising your ability to work. It should be noted that if an employer has agreed to make temporary disability payments you are obligated to work with doctors to achieve a complete recovery in a timely fashion. Failure to work towards recovery can result in loss of disability benefits. It is also important to provide your employer with detailed medical information. If your employer does not receive requisite medical information, they are not obligated to make payments. If your employer or their insurance company is hesitant to agree to make disability payments, it is time to speak with an experienced attorney.

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IL injury lawyerWhile every qualified worker is entitled to apply for workers’ compensation benefits after a workplace accident, receiving benefits can be a different story. There can be red tape from employers and insurance companies that prevent injured workers from receiving the benefits they rightfully deserve. While reporting a workplace injury and requesting benefits does not require an attorney, seeking legal counsel is in the best interest of any person who is hurt on the job.

What Is Workers’ Compensation?

A government program to assist workers if they are injured at work, workers’ compensation provides benefits to employees who cannot return to their job. Benefits include wage replacement and coverage for medical bills related to the injury. All employers in Illinois are required to have workers’ compensation insurance and refusing to comply results in fees and potential jail time.

If an employer agrees an injury occurred at work, or an injury was minor enough where minimal work was missed, then benefits will likely not be challenging to receive. Benefits for people injured long term, or who experience permanent defects, are especially important. Work accidents can prevent people from returning to their job or decrease their wage-earning potential. These kinds of injuries also have high medical bills, which should be covered by workers’ compensation too.

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IL injury lawyerEven with insurance, sometimes basic medical care can be expensive. When someone experiences a catastrophic injury, the financial expenses and rehabilitation can be hard to manage by an injured person and their family. When a person goes through an accident or becomes ill, because of work, their medical expenses can be covered through workers’ compensation insurance.

Most employers in Illinois are required to purchase workers’ compensation insurance for their business or company. Even small businesses with a few employees must be compliant. This insurance protects employees if they are hurt and cannot return to work. Coverage can begin as early as three days after an employee could not come back to work because of an injury. Along with coverage for medical expenses, workers’ compensation will also provide financial support for an employee.

The kinds of injuries that will likely receive workers' compensation benefits after are burns, broken bones, paralyzation, brain damage, repetitive strain, lung diseases, and amputation.

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IL injury lawyerFor an able-bodied person full-time in the workforce, becoming disabled may be an uncomfortable thought. Although many disabled people live happy and healthy lives, becoming disabled is an adjustment. In some cases, a newly disabled person may need modifications to their home, lifestyle, and working conditions. Luckily if an accident or incident that caused a permanent disability occurred at work, employees have certain protections under workers’ compensation.

What Is Workers’ Compensation?

When an employer in Illinois starts a business, they are most likely required to have a workers' compensation insurance for their employees. No matter how small a business is, or how many employees they have, it is required by law. This insurance protects workers in the event of an injury that prevents them from working long or short term. When a claim is accepted, workers’ compensation covers lost wages from time away from work and medical expenses.

When a person is injured and cannot return to work, it is determined if they have a permanent or temporary disability. This is after the said employee has a medical evaluation and a doctor determines the prognosis of an injury. A temporary disability is something that a worker can either fully recover from, or recover enough to return to work in eventual time. A good example of temporary disability is a broken leg. When a person is deemed permanently disabled, they will not be able to recover from the injury, and may not be able to return to the workforce.

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Aurora work injury attorneysIf you work in the labor or trucking industries, you may be well aware of workers’ compensation. According to the U.S. Department of Labor, Bureau of Labor Statistics, truck drivers and tractor trailer operators made up 5.4% of all private industry reports of injuries. Non-construction laborers make up the highest percentage of 7.3%. Other notable industries are janitorial, nursing assistants, and retail workers.

Every employer is required to have workers’ compensation insurance in the event that someone gets hurt at work or sustains an injury related to working conditions. Workers’ compensation can assist people after an injury by providing:

  • Medical treatment,
  • Leave with pay,
  • Job security, and
  • Additional benefits.

A family member or friend in your industry may have even needed workers’ compensation benefits, but when it happens to you, an important question to ask is: do you hire a workers’ compensation attorney?

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