Illinois Workers' Compensation: Something Is In The Water

For some reason I’ve received a bunch of calls lately involving Illinois workers that were exposed to asbestos on the job. Whether or not we can help these callers with an Illinois workers’ compensation claim depends on when they last worked, when they were last exposed to asbestos and of course whether we can prove that the job caused the problem. Asbestos claims are tricky because usually an injury doesn’t show up for around 15 years or more after you were exposed. But we’ve been involved in these claims and had some success.

One thing to know though is that you may also have what is called a third party lawsuit against one of these employers or buildings where you worked. There are really only a handful (maybe 3) of law firms in Illinois that in my opinion have a great history of success with these cases. We of course work with them to help our clients get what ever they are entitled to. Asbestos related injuries can unfortunately be awful.

For you as a worker or former worker, it’s usually advisable that you have a lawyer investigate these cases ASAP as there is a much bigger chance of you losing your rights due to time limits passing.

Whether it’s asbestos injuries in Illinois or any other problem that is possibly caused by negligence or product liability, it’s important that you have an experienced lawyer look in to it. The most common situation is a car accident while working, but we’ve helped others that have been beat up, raped, hurt by asbestos, exposed to chemicals, slipped on wet floors, etc. We aren’t the right law firm to take on those cases except for the work comp part of it. But we do know the best personal injury attorneys in Illinois and have gladly and successfully directed our clients to them.

Bottom line is that if you need help with any legal issue, we pride ourselves in customer service and would be happy to talk to you. We don’t promise anything other than an honest opinion and that if we do recommend you to someone, it will be a lawyer we know, trust and would be willing to hire ourselves

We are workers' compensation attorneys who 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.

2/28/12

Why you got hurt sometimes matters

A potential client asked:

If I got sick and work and vomited and the force from the motions injured my back and am now off work needing injections in my back and MRIs is that a workmans comp case?

That’s a really good question and interesting scenario. And like many Illinois workers’ compensation questions we get, the answer is “depends.”

Just being at work and getting injured doesn’t mean you have a case. You have to show your injuries arose out of your job duties as well as that they happened in the course of your job duties. In plainer English this means that to win a case you must prove you were doing your job when the accident took place.

In this case, the client threw up, but the question is why. If it was because of the stomach flu then he has no case. That wouldn’t have been an injury that arose out of his job duties. On the other hand, if he threw up after seeing a dead body during a job investigation or from inhaling noxious fumes or after getting sick in the hospital they work in then it would likely be a case.

The bottom line is that when we discuss a case we ask probing questions as this is how you tell if you have a claim or not. But never assume that you don’t have a case because you were doing an activity that could have happened anywhere. Every case is fact specific and after listening to your unique facts, we’ll let you know what we think. We’ll never tell you what you want to hear to make you feel good, but we’ll always tell the truth

We are workers' compensation attorneys who 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.

2/26/12

Proving an injury depends on good medical records

Getting your doctor to say you can’t work is essential if you want to get compensation for lost wages while you’re out of work, but only if it’s backed by credible evidence and a solid medical report.

In a recent Illinois case, a woman suffered foot, spine and wrist injuries caused by a work-related accident. Her injuries developed into complex regional pain syndrome. Although initially she received benefits, they were later reduced. Apparently, she was taken off work by her doctor based solely on her claim that she could not work in her condition. There was no report from the doctor showing an examination or a record of any medication to address her pain. Without a medical opinion that she was unable to work, she didn’t have enough to prove that she couldn’t work.

It’s not completely clear to me who messed this case up. Maybe the injured worker simply failed to prove her case, maybe the doctor could have done more, or maybe she was lying about the extent of her injury. Either way, it shows how essential your doctor’s report is, and that simply having a doctor’s note to get out of work is not enough to get benefits approved.

The truth is, even if your doctor backs up his opinion on the extent of your injury, it can still be disputed. And if the arbitrator sides with the insurance company, your benefits can be denied despite having “good” medical evidence.

This may all feel outside of your control, but it isn’t. There certainly are things you can do to help your claim and yourself. You can find a lawyer you trust, and a doctor that you trust. Be sure to document everything and tell the truth. Credibility matters a lot, especially when a claim is disputed and goes to trial. Having a doctor who is well respected (and not known for getting paid to say what the lawyer tells him to say), is important. And honesty – from your lawyer and yourself – goes a long way

We are workers' compensation attorneys who 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.

2/24/12

Autopsies after fatal work injuries

The main reason for performing an autopsy after a fatality on the job is to help prove that the job caused the death. If the cause of death isn’t certain, it can be difficult to link it back to the person’s employment and establish death benefits for the surviving family.

A recent Illinois case demonstrates this. The worker, a custodian, was loading a van with a co-worker. They were putting equipment in the vehicle to take to another location. The worker went to use the bathroom, and when he didn’t return, his co-worker went to check on him and found him unresponsive. The cause of death on his death certificate was a heart attack, but no autopsy was performed.

At first, death benefits were approved. But after the insurer challenged the decision, it was reversed. The arbitrator agreed that the cause of death wasn’t certain. Benefits were ultimately denied. The death certificate gave a cause of death, but in the end, it was speculative. The claim failed on a lack of evidence.

An autopsy isn’t necessary in every fatal work injury case, but in some it can make all the difference. It won’t automatically establish that a death was caused by work, but if the cause of death is determined, then other evidence can be used to make that connection.

We get that if a loved one dies on the job that an autopsy isn’t necessarily the first thing you are thinking of. But even if you have to pay for it, it really is important to know. It will give you some closure and might possibly help you win a workers’ compensation claim

We are workers' compensation attorneys who 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.

2/22/12

Parking lot injury denied for not "arising out of employment"

We’ve written before that your claim can be denied if the risk that caused your injury is one that the general population faces, rather than one you uniquely face because of your employment.

A classic example of this rule is the insect bite case. If you get bitten and injured by a poisonous spider at work, your claim can be denied unless you prove that you were at a greater risk for the spider bite because of your employment. A typical office worker would have trouble proving this. Someone who leads tours through a wooded area with lots of spiders, however, would have an easier time showing that they were more at risk than the general public.

A recent slip and fall case in Illinois brought up this same point. A worker filed a claim against her employer after falling on an uneven gravel surface in the parking lot of the medical center where she worked. She was on break, but that wasn’t an issue because she remained on-call during her lunch break and could be called back at any time.

Her claim was denied because falling on the uneven surface in the parking lot wasn’t related closely enough to her employment. In order for an injury to “arise out of and in the course of” the employment, a worker has to be at a greater risk from the dangerous condition than the general public. The arbitrator ruled that she was not at a greater risk of tripping on an uneven surface than the general public. Also, any member of the public could walk through or park in the lot.

Not every parking lot injury would be denied like this one. If you can prove that you were at greater risk – because the parking lot or specific spots were reserved for employees, for example – you might get a better outcome. This is just one example, which goes to show how much the facts of each individual case can affect the end result.

In another recent case, a child welfare worker was injured in the restroom while on a bathroom break. Someone called her name, and in reacting to being called she ran into a garbage can and fell. Her job required her to answer urgent phone calls and the office was understaffed that day. She testified that she assumed she was being called by her co-worker to take an urgent call. In this case, the worker was awarded benefits because the situation she found herself in was closely related to her employment.

Yet another recent case was about a cashier who worked in the front of a business next to large windows. She was injured by an out-of-control vehicle that smashed into the building. Because she was required to work in the front of the store near the large windows, she was at greater risk of being hit by an out-of-control vehicle than a member of the general public. She was awarded benefits, as well

We are workers' compensation attorneys who 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.

2/20/12

Waiting Too Long to Get Treatment for Your Injury

There are a few different deadlines when it comes to getting compensation for a work injury. One is that you are supposed to notify your employer within 45 days. Another is that you are supposed to file a claim within two years of your injury (or two years after last payment of benefits if you had been receiving them). And as we’ve said before, getting medical treatment right away is important if you want medical coverage.

Insurance companies can use any type of delay or missed deadline to deny your claim. They won’t necessarily win, but they will certainly try. They’ll say that you waited too long and therefore they don’t have to pay you lost wages or cover your medical bills.

Waiting also can cause a problem when it comes to proving the cause of an injury. The longer you wait, the harder it is to connect it to your job and prove that the injury was, in fact, caused by your employment. It opens the door for the insurer to say that because you waited, something else in the meantime could have caused the injury. Sometimes, a claim is rightfully denied. Other times, if you fight back you can get benefits. It all depends on the type of injury, how long you waited, why you waited and in some cases what you did while you were waiting.

In a recent case in Illinois, a worker was denied benefits for a shoulder injury because he waited for eight months after the date of injury to seek medical treatment. His job required him to do a lot of reaching overhead and one day he felt a pulling sensation and pain in his shoulder. It continued to worsen over the eight months and he eventually decided to make an appointment with a doctor. After trying physical therapy for a while, his doctor recommended surgery. The insurance company tried to fight it.

In this case, the arbitrator determined that it was clear that work caused the man’s shoulder injury, despite the delay in seeking treatment, and that he should be covered. It also seemed important to the arbitrators that the worker had taken care of himself during those eight months. He testified that he self-medicated and rested his arm. He also testified that he wasn’t aware that he had the right to seek medical treatment. In other words, the reasons for his delay were reasonable. And most importantly, it was still clear that work had caused the injury.

The bottom line is that you should not delay medical treatment, but if you do, don’t let the insurance company tell you you’re out of luck. If you can still prove that work caused your injury, you should be entitled to benefits

We are workers' compensation attorneys who 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.

2/18/12

Work injuries outside of the workplace can be covered

The Illinois Workers’ Compensation Commission recently sided with an employee who was injured while on break. This doesn’t mean every worker on break is covered, but it confirms that it depends on the specifics and benefits might be available depending on the circumstances.

In this case, an Illinois police officer fell and suffered an injury in his driveway. He was on lunch break at his home and slipped on snow or ice on his way back to his squad car. His claim was challenged, but he ended up getting workers’ compensation benefits. The key was that he was on-call the entire time, even though he was at home.

One of the key facts that made his injury a work injury was that he was on call throughout his lunch break. (Officers were permitted to have lunch breaks at home if within city limits.) Also in his favor was the fact that there have been similar cases in Illinois in the past, where the arbitrator sided with the injured worker. These cases not only mention the fact that the officers were on-call, but the fact that they were in uniform and could have had to return to their squad cars to answer a call at any time during their breaks.

These cases confirm that a work injury doesn’t need to happen at work and can even happen during a break if you’re still on call or providing a similar service to your employer. Generally, if you are doing something for your own benefit, even if during work hours, it’s not necessarily covered. It’s important to consider whether, during a break, an employee is still “in the course” of their employment. The same is true for location. If you are running an errand for your boss, you should be covered for an accident that happens while you’re out running the errand. If you decide to take a detour to run your own errand, it likely won’t be covered.

It’s a gray area, and if you find yourself in this type of situation, don’t be surprised if the insurance company denies your claim for benefits. Don’t give up if you believe your injury was caused by your employment. Request a hearing and let the arbitrator decide.

We are workers' compensation attorneys who 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.

2/16/12

 

If you were planning on going to trial on Friday, you aren't

Fresh off the Illinois Work Comp Commission website: 

Arbitration limited on Feb. 17 for confirmation hearings

On Friday, February 17, arbitrators and commissioners will appear before the Senate Executive Appointments Committee in Chicago for their confirmation hearings. In Chicago, arbitrators will conduct business from 8:30 - 10:30. At 10:30, Chicago arbitrators will stop business for the day with one exception: Arbitrator Thompson-Smith's 2:00 status call will be held.

In Waukegan, Arbitrator Holland will handle pro se cases from 8:00 - 9:00 am. He will hold his status call from 9:00 - 10:00 am. At 10:00, he will leave for Chicago.

All other downstate calls are cancelled for February 17. If your case is set for trial that day, please contact the arbitrator and the other party to reschedule.

So other than routine motions, no case is getting tried on Friday because there won’t be enough time. You will unfortunately have to reschedule. 

We are workers' compensation attorneys who 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.

2/14/12

 

Hey Kids, Don't Do Drugs

Illinois workers’ compensation laws changed last year. One of the changes that was pushed by legislators was that if you failed a drug test following a job injury, you couldn’t get work comp benefits unless you proved that you weren’t impaired when it happened. It’s a dumb law change because under the old laws, if you were high on drugs or drunk when you got hurt and that caused your injury, you would lose your benefits. So basically it was a law change that sounded good, but wasn’t needed.

All that said, some insurance companies are using this change to flat out deny benefits. We had a worker call us who broke his hand. 20 days earlier he had smoked pot and as a result he failed his drug test. Smoking pot three weeks ago had nothing to do with the injury whatsoever. But the insurance company denied his case for the simple reason that he failed the test. So now we have to go to trial and have the client testify that he hadn’t smoked for three weeks. We may have to hire a doctor to testify that smoking pot three weeks ago wouldn’t hurt you today. And while I fully expect us to win, our client is going to be without benefits for a few months until that happens. He is fortunate in that he has a little nest egg saved up, but others aren’t as lucky.

In general I could care less if anyone does drugs. As long as you don’t get behind the wheel of an automobile, what you do on your own time is your own business as far as I’m concerned. But when it comes to helping an injured worker in Illinois, my advice is that you should never do drugs. It can really screw up your case and if you have a minor injury you’ll probably never find an attorney who is willing to take the case on.

Of course when you are partying you aren’t thinking about getting hurt on the job, so I don’t expect anyone to follow my advice. But this is part of insurance companies doing their job. They make money by figuring out a way to pay you or to pay you less than they are supposed to. Any time they do that successfully it’s a huge win for them. So if you do work a job where they drug test after an accident, please realize that one fun night might really screw up your life

We are workers' compensation attorneys who 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.

2/14/12

Sneaky Insurance Company Tricks

We recently consulted with a worker who had a major back injury that resulted in surgery. He has not made a good recovery and may end up needing a lumbar fusion. Needless to say, he is not back to work and won’t be any time soon.

He’s also going through a divorce and the insurance company heard from his employer that money is tight for him. As a result, they did something very sneaky and unethical; they offered him $50,000.00 to settle his case right now.

I say that it’s sneaky and unethical because they knew he was in no position to settle his case and that if he needs a fusion in the future, that surgery alone would cost more than what they want to offer him. Sure the 50 grand would come in handy for him right now, but after that he’d be jobless with no way to pay for the medical treatment that he so desperately needs.

The caller was a very bright guy and smart enough to not even consider taking the offer. In fact, he felt it was shady so he went searching for a lawyer. But not everyone is so bright and we’ve seen many instances when workers are taken advantage of.

“What is my case worth?” is the most common question we get. It is human nature to think about that, but you should not ever consider a settlement until you are done treating for your injury with no doubt that you will be treatment free for that injury in the future. And if you have any permanent restrictions from your injury, you should not settle your case until you have a job to return to.

Many workers (and some attorneys) want the quick buck. We strongly believe that you should always think about what is best for you in the long term sense. And we promise you that if an insurance company wants to offer you money to make your case go away when you need more medical treatment, they are not thinking about what is best for you long term; they are thinking about what is best for them long term

We are workers' compensation attorneys who 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.

2/12/12

Illinois Workers Comp - Psychological Injury Cases

If you read our blog, you will notice that we aren’t big on using legal jargon. This is a blog for clients, not attorneys or insurance adjusters. That said, someone forwarded me a memo recently about when a psychological injury is compensable in Illinois and when it isn’t. The words below are not mine, but I think it does a good job of explaining what is covered and what isn’t and why that is so. I probably won’t do this much again and if it’s too wordy just go on to the next post of ours. Otherwise, I hope it helps.

      In Pathfinder Company v. Industrial Commission, 343 N.E.2d 913 (Ill. 1976), the petitioner was instructing a coworker how to operate a machine press when the coworker severed her hand in the press. The petitioner then “pulled the severed hand from the machine and fainted at the site of it.” Id. at 915. She was taken to the hospital and remained there overnight after suffering an anxiety reaction. This included a variety of symptoms such as headaches, numbness in her hands and feet, and nervousness. Id. The petitioner eventually quit her job due to her psychological injuries. She spent time in the hospital as a result, and her physician believed that the accident which she had been exposed to had “a tremendous impact on her consciousness and that the memory is still there.” Id.

     In determining whether the petitioner’s psychological injuries were compensable, the court reviewed case law from other jurisdictions. It concluded that under the liberal construction of the Illinois Workers’ Compensation Act, an employee that suffers a sudden, severe emotional shock traceable to a definite time, place and cause which causes psychological injury or harm has suffered an “accident” within the meaning of the Act, though no physical trauma or injury was sustained. Id. at 917. The court reasoned that it would be illogical to allow compensation for psychological injuries when accompanied by a minor physical injury, only to deny benefits for a similar psychological injury when brought about when a petitioner experiences sudden and severe emotional shock but was fortunate enough not to sustain physical injury. Id.

      The Pathfinder decision, however, was limited in its scope by the case of General Motors Parts Division v. Industrial Commission, 522 N.E.2d 1260 (Ill. App. Ct. 1988). In that case, the petitioner attempted to recover benefits for psychological injuries sustained when “his supervisor verbally assaulted him with profane, racial slurs.” Id. at 1260. The court, however, denied compensation as the evidence indicated the petitioner’s mental stability was brought on by a series of events over time and not a single traumatic incident like that in Pathfinder. Id. at 1256-66. Moreover, the court stated “we do not read Pathfinder to permit recovery for every nontraumatic psychic injury from which an employee suffers merely because the employee can identify some stressful work-related episode…” Id. at 1266. In ruling so, the court limited Pathfinder by stating it “only authorizes an award of benefits only when the employee suffers a sudden severe shock which produces immediate disability and is caused by an uncommon non-traumatic work-related experience out of proportion to the incidents of normal employment.” Id. at 1267.

      The Pathfinder standard was further limited by the case of Chicago Board of Education v. Industrial Commission, 523 N.E.2d 912 (Ill. App. Ct. 1988). In that case, the petitioner sought compensation under the Workers’ Occupational Diseases Act for psychological injuries from a series of traumatic events over time ranging from being robbed to generally poor working conditions. Id. at 913-14. The court found, however, that due to the potential for abuse by employees making fraudulent claims, recovery could not be allowed for psychological injuries which gradually come to fruition over time within the normal course of employment. Id. at 917. Thus, the court found the applicable test was that mental disorders which are a result of gradual deterioration over time are only compensable when: (1) the disorder arose from a situation greater than the day to day emotional stress all employees endure; (2) the conditions existed from an objective standpoint, not merely in the eyes of the injured employee; and (3) the employment conditions were greater cause to the disorder than non-employment conditions. Id. at 918.

      Pathfinder’s limitations have been applied to cases involving police and paramedics. These case have generally found that while these employees may be exposed to a shocking event which would normally meet original Pathfinder test, they are continually exposed to similar types of traumatic events and thus to do meet the tests stated in General Motors. See Ushman v. City of Springfield, 05 Il.W.C. 08480 (2008); Burney v. Jersey Community Hospital, 04 Il.W.C. 41965 (2006). In addition, benefits have also been denied when a petitioner delays seeking medical treatment for the alleged psychological or mental injury, as this does not satisfy the “immediate” requirement of General Motors. See, e.g., Turrentine v. Springfield Park District, 97 Il.W.C. 61559 (1999).

      It is also clear that the IWCC and Illinois courts are reluctant to extend the Pathfinder doctrine for fear of opening the floodgates of litigation. For example, in Board of Education of the City of Chicago v. Industrial Commission, 538 N.E.2d 830 (Ill. App. Ct. 1989), the court denied benefits to a school teacher for psychological injuries allegedly sustained as the result of being slapped by a student. In holding so, the court distinguished Pathfinder, stating that the employee had been developing emotional depression over the course of the past year and the slapping incident “was a risk connected with the claimant’s employment that could or might occur in the ordinary course of events to a person engaged as a school teacher.” Id. at 832-33. Thus, this event did not concern a situation of greater dimension than the experience encountered by teachers in the Chicago school system.

      Generally speaking, while Pathfinder does allow for compensation for psychological injuries even though no physical injury is actually sustained, the development of its doctrine over time has severely limited the impact of the original decision

We are workers' compensation attorneys who 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.

2/10/12

The Biggest Mistake You Can Make On Your Case

We had a recently injured worker contact us and she was very stressed.  She had hurt her back on the job and had shooting pain down her legs which is a classic sign of a herniated disc which can be a big problem.  She was told by her boss that she had to see the company doctor and she did so.  That hired gun took x-rays which were normal (they almost always are on back injuries), gave her some pills and said she was fine.

She was put in touch with the insurance company and they told her that under the new Illinois workers’ compensation laws, the insurance company could now pick her doctor and they certainly employed she did not have a choice of her own.  That is 100% false, but this woman went along with it for 6 weeks to the severe detriment of her back.

This type of thing happens all the time.  The biggest mistake you can make in your work injury case is to take legal advice from your employer or the insurance company.  They have a direct competing interest against you and it’s an unethical conflict of interest for them to tell you what to do and what your rights are under the law.

Insurance adjusters aren’t bad people, but their job and their company depends on limiting the amount that is paid out on any given claim.  As a result they have an incentive to look out for themselves, not for you.

If they are telling you what the law is, they might be telling the truth, but you are really foolish if you take everything they say as gospel.  It’s not usually as extreme as the blatant lie my caller was told.  But other times they’ll tell you that the nurse case manager they assigned to the case gets to talk to your doctor (false), come to your appointments (also false) or that they closed your file (if you’ve waited to long that can happen, but if not it can be easily get re-opened).

Sometimes looking out for yourself means getting a lawyer, other times it just means doing research or making a consultation phone call.  But if things don’t seem right or you feel bullied, don’t just trust the decision makers.  Not helping you is the un-written part of their job description

We are workers' compensation attorneys who 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.

2/8/12

Don't Pay a Consultation Fee

Workers’ compensation attorneys work on a contingency basis, which means that they get paid if your case is successful. In a non-work injury case, this means that if you fall and suffer serious injury and get $200,000 at trial or in settlement, the attorney takes their fee out of that. If you lose, the attorney gets nothing.

In most work injury cases, the attorney’s fee comes out of the settlement. Generally, this is an amount that the insurance company pays you for a permanent injury. It also can be a lump sum you are awarded at trial.

The idea is that the attorney only gets paid if you “win.” There shouldn’t be any other fees. No consultation fee, no fee for getting your medical records, no upfront payment for expert witnesses. All of these costs exist, but they should be covered by your attorney. That’s how it works.

Another red flag is if your attorney tries to take a fee out of your benefits checks. This is money you need to live on. Even if your attorney filed the claim for you and made a few phone calls, they still shouldn’t do this.

An attorney’s fee is limited by law in Illinois to 20% in a workers’ compensation case. As with any type of case, discuss fees with your attorney at the beginning – even before you hire them. And get it in writing

We are workers' compensation attorneys who 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.

2/6/12

 

Don't just shake off an injury at work

Injured workers don’t always run to their employer to report an accident. If it was a careless mistake, you might feel embarrassed, or fear that your employer will fire you for making the mistake. Maybe your employer has a reputation of treating injured employees poorly and you would rather suck it up in order to stay on their good side.

These are valid concerns. The reality is that keeping your job might be your top priority. We get that, but ignoring an injury at work worries us, because we have seen people miss their opportunity for benefits and end up out of luck when the injury worsens years later.

In Illinois, the law says that you have 45 days to notify your employer. If you miss the deadline, you’re not necessarily out of luck, but it gives your employer and the insurance company a reason to deny your claim. The point is to notify your employer as soon as possible – it can help you avoid a dispute and get your benefits started sooner.

Notifying your employer is just the first step; you also have to file a claim with the Illinois Workers’ Compensation Commission. The deadline for this is two years from the date of injury or two years from the last payment of benefits. For injuries that develop over time, such as repetitive stress injuries, the deadline is two years from when you realize you are injured and that work is the cause. This is common not only with repetitive stress injuries but exposure to toxic fumes or materials. Asbestos illnesses can show up decades after exposure. You have more than two years from the date of exposure in these instances, but there is still a time limit, so delay can hurt your case.

We’re not trying to make you paranoid. There are times when an injury really isn’t that bad, and a claim would not be beneficial. Just be aware of how you’re feeling and don’t skip that trip to the doctor if it’s warranted

We are workers' compensation attorneys who 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.

2/4/12

 

Benefits overview

Every once in a while, we post a re-cap of the benefits you’re entitled to if you’re injured on the job in Illinois. The laws changed recently, so here is an updated overview:

Medical: Your medical bills should be covered 100% for an injury that arose out of and in the course of your employment. So anything that happens while working or doing something related to working should be covered. Illinois law changed recently and now allows employers to set up preferred provider networks (PPOs). This limits your choice of doctors more than before. Disputes often arise over medical care. It has to be relevant and necessary, and the insurance company might argue that you are asking for something (therapy, surgery) that is not necessary. If you can’t negotiate a solution, you can request a hearing.

Lost wages: If you are unable to work because of your injury, you are entitled to 2/3 of your average weekly wage; this is called TTD (temporary total disability). If you are able to do some work, but it pays less, you get 2/3 of the difference in wages; this is called wage differential. A worker can only receive wage differential benefits for five years or until they turn 67, whichever is later.

Permanent disability: If your injury is permanent, which you won’t know right away (or at least it won’t be agreed upon right away), you should get a settlement. Usually this is a lump sum paid to you by the insurance company. In exchange, they usually have you waive future medical benefits. This means that if your injury acts up years later, you can’t go back to them to pay for treatment. It’s all negotiable, and in some cases medical benefits are left open. There also are benefits available for scarring caused by an injury or illness.

There are other ancillary benefits, such as vocational rehabilitation, which helps you train and find another job if your injury prevents you from returning to your previous job or career. Note that in a work injury case, pain and suffering is not available, as it is in other types of injury cases. In cases where death results, benefits are available for the surviving spouse or minor children.

If someone from the insurance company tells you that you are not eligible for benefits or that your medical treatment is not necessary, don’t assume they are right. Their job is to save the insurance company money, not give it to you. In an ideal situation, your attorney should be the one talking with the insurance company. Insurance companies are known for taking advantage of unrepresented claimants

We are workers' compensation attorneys who 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.

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