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Aurora workers compensation benefit lawyersGetting injured at work can be a scary experience. Not only are you suffering a physical injury, but you are also probably worried about how you will pay your bills if you cannot work. Thankfully, all employers are required to have what is called workers’ compensation insurance, which is insurance designed to help workers who are injured on the job. In Illinois, workers’ compensation is required to provide three types of benefits to injured workers: medical benefits, disability benefits, and death benefits. These different types of benefits can greatly help employees and their families if an accident does happen. 

Medical Benefits

The first and most basic benefit that is provided by workers’ compensation is medical benefits. If you are injured while you are at work, your employer is required to pay for all of the medical expenses relating to your injury. Expenses that are covered can include:

  • First aid;
  • Emergency care, such as ER costs and ambulance rides;
  • Doctor visits;
  • Hospital care;
  • Surgery;
  • Physical therapy;
  • Chiropractic treatment;
  • Prosthetics;
  • Prescription medications; and
  • Medical appliances.

If your injury results in a permanent disability, the cost of devices, such as a wheelchair or wheelchair ramp, may be covered as well.

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Aurora workers' compensation benefits attorneyThe United States has taken actions toward making workplaces as safe as possible for employees, but there are unavoidable accidents that still occur. Sometimes, accidents result in serious injuries that affect a person’s ability to work or to continue doing the job they were doing prior to the injury. In these cases, the employee is usually eligible for some sort of workers’ compensation benefit which can help supplement the loss of wages that they might experience. If a person loses a part of their body or loses the function of that part of the body, they usually qualify for permanent partial disability (PPD) benefits.

Commission on Workers’ Compensation

The Illinois Workers’ Compensation Commission is the state agency that all workers’ compensation claims go through. The Commission helps employees and employers settle cases that involve a workplace injury or illness by acting as an impartial administrative court system. The Commission awards four types of PPD benefits:

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Aurora workers' compensation partial disability benefits attorneyWork is an essential part of a person’s life, allowing them to earn an income and provide for their family. When someone is injured at work, they have the right to receive workers’ compensation to pay for their medical bills and provide for their needs when they are unable to earn an income during their recovery. If an employee’s inability to work is expected to only last for a short time, they may be eligible for either temporary partial disability (TPD) or temporary total disability (TTD), and it is important to understand what is provided in these forms of compensation.

What is Temporary Partial Disability?

If an employee’s injury has resulted in an inability to fully perform their duties, they may only be able to work on a part-time basis or perform lighter duties while they are recovering, and this may result in a reduction in their pay. During this time, the employee can receive temporary partial disability benefits of two-thirds (66 2/3%) of the difference between their normal pay and the reduced pay.

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Kane County workers' comp disability lawyerIf you have been injured on the job, you may be eligible for workers compensation benefits, especially if you are no longer able to go back to work due to the nature of your injury. If severely injured, you may qualify for permanent disability benefits. Even though there are two different types of permanent disability benefits, there is a major difference between permanent partial disability (PPD) and permanent total disability (PTD), and it is important to understand the distinction between the two types.

Permanent Partial Disability

In order to receive permanent partial disability benefits, an injured individual may still earn income from their job, but they are partially impaired from a permanent injury. Permanent partial disability can include the following injuries:

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