4 things you should know if you are hurt on the job
There is a lot to think about if you are injured at work in Illinois. Here are four big things that every injured worker should know.
1. You have to notify your employer. The law says you have 45 days to tell them about a work injury, but sooner is usually better. Waiting can give your employer a chance to argue that your injury happened outside of work. If you miss the deadline, your claim can be denied. Report your injury to your supervisor, as soon as possible, in writing.
2. You should see your doctor right away. Don’t try to tough it out. Waiting can hurt your claim for benefits because your doctor might not be able to confidently say that your job is what caused the injury. You get to pick which doctor you see, and your medical bills should be covered 100%. And if your doctor gives you work restrictions (don’t lift anything over 10 lbs., for example), listen. Don’t shovel snow or help a friend move. Sometimes the insurance company uses surveillance to catch you doing these things.
3. You can’t sue your employer. Workers’ comp is a tradeoff. Injured workers are entitled to compensation if they get hurt on the job (medical bills, lost wages, payment for permanent injury). It’s quicker than going through a lawsuit and it doesn’t matter who was at fault. In exchange, employers are protected against lawsuits from injured employees. You may be able to sue a third party, however, if they are negligent in causing your accident and don’t work for your company.
4. The insurance company isn’t on your side. Throughout the claims process, you or your attorney will be dealing with your employer’s insurer. The insurance adjusters know what they’re doing; they handle claims day in and day out. Their goal is to pay out as little money as possible. So don’t take their advice on which doctors to see or whether you need an attorney. Don’t give them a statement. Don’t let them come with you to any medical appointments, and don’t give them permission to speak with your doctor about your treatment.
Your employer may tell you that you can’t get workers’ compensation (claims cost them money). If you’re told that you aren’t covered because you are an independent contractor, because there is no insurance policy, because you weren’t really working when you got hurt, or because repetitive stress injuries don’t count, get a second opinion. These are gray areas and you may very well have a valid claim.
We are workers' compensation attorneys that help people with Illinois work injuries anywhere in IL via our statewide network of attorneys. Contact us and we will answer your questions or find the right lawyer for your situation.