When Your Company Doesn’t Have Work Comp Insurance But There’s A General Contractor

In a very odd coincidence, in recent months I’ve had two injured workers contact me who both had three fingers severed in a work related accident and both of whom worker for employers that did not have Illinois workers’ compensation insurance. Note that it’s a felony for an employer not to have insurance for work comp.

The first one worked at a Chicago area restaurant. While he can apply for a State program that provides benefits to injured workers whose companies didn’t have insurance, it’s going to be a long process for him. There are no trial motions we can file to speed up the case and he won’t likely get the full benefits he would have received if he didn’t work for a crook.

I wouldn’t call the second worker lucky. After all he lost his fingers in a power saw accident. But he’s luckier than the first guy. That’s because even though his employer didn’t have insurance, the job was part of a larger construction project. The general contractor who hired his company does have insurance. Under the Illinois Workers’ Compensation Act, Section 1(a)(3), they are considered “joint and severally liable” for compensation owed to the employees of any contractor.

In plain English, this means that just because you got hired by a shady operation doesn’t mean are out of luck. The general contractor has a lot of responsibilities including providing a safe work environment as well as making sure that any contractors on the job are following the law.

In this case they brought on a company that was committing a felony by not having insurance. The general contractor had a duty to ask for a certificate of insurance before they brought them on. They either didn’t do that or didn’t care, likely in hopes of saving some money instead of hiring a reputable company.  The end result is that it’s going to cost them more money because their insurance will now have to cover all of the medical bills, time off work and settlement for this injured worker.

While there is a lot to sort out between those two companies, that’s their problem, not that of the injured worker. Our goal is to make sure he can get taken care of medically and financially as quickly as possible. Fortunately, Illinois laws make that possible and he should not have any delays.

The bottom line is that for almost any worker on a construction site, whether or not there is work comp insurance should almost never be a worry.  There likely is one way or another.

The Worst Illinois Work Comp Denial Of 2022

Illinois work comp insurance companies will deny cases for any reason at all even when they clearly make no sense. They do this because they want you to say, “Well, I guess I can’t get workers compensation,” and then go and use your own insurance or Public Aid to pay for your bills. It’s a business decision and the goal of their business is to spend as little money as possible on claims, even good ones. And if they spend $0 on a case they should have covered, some insurance adjuster is probably looking at a bonus.

We’ve seen this over and over in the last 25 years. You’ll get a letter with lies that state they’ve done an investigation and then they’ll encourage you to use your own insurance. It’s not unusual for this to happen, but it is frustrating for sure.

While we are used to getting calls that reference these denial letters, I have to say that it seems that insurance companies are getting more aggressive about denying cases with no good reason at all. Recently we got a call from a factory worker who had the most ridiculous denial letter of 2022 and it’s probably a contender for the worst one ever.

He does a lot of lifting on the job as you can imagine. So it’s no surprise that he has a back injury after working there for almost a year. There was no specific accident, just an allegation that working over time caused his back to break down. That’s a very common and straight forward case. Usually.

A MRI showed a herniated and bulging disc. The insurance company sent out his records to a doctor they use and because he signed a medical authorization form, they had records from when he was in his early 20’s which was 30 years ago.

The hired gun doctor stated that his problems now aren’t at all due to lifting heavy items on the job every day, but instead have to do with him getting in a car accident 30 years ago. How bad was that injury? He went to the ER and had four weeks of physical therapy. He hasn’t had any treatment for his back in 30 years! It’s absurd to state that suddenly his back gave out because he had a strain on it 30 years ago.

This denial will never hold up in court and I expect the insurance company will roll over once the case is filed. But that’s not their point. They want to wrongly deny 1,000 injured workers. If 100 of them don’t seek out legal advice and learn their rights and just go away, they will save millions of dollars they’d otherwise have to spend by law on your healthcare, time off work, a settlement, etc.

It’s just how they strategize and screw people over. It’s all business to them.

The lesson to learn is that insurance companies aren’t lawyers, they aren’t Judges and they don’t have the final say on anything. Don’t take a letter you get from them as legal advice or as the truth. You don’t have to hire a lawyer in order to get educated on your rights either. If you’d like a free consultation with an attorney, you can call us any time at 312-346-5578.

25 Illinois Workers Compensation Terms You Should Know

I was having an online chat with an injured worker the other day about attorney fees and told them how I don’t think attorneys should take a fee on TTD payments in most cases. They responded by asking, “What is TTD?” I made an error in assuming that they knew what it meant because they were in to their case already. The result is me writing a post about Illinois work comp terms I think everyone should know.

TTD – Starting with that one makes sense. It stands for temporary total disability benefits. In plain English, if you are authorized off work due to an injury on the job, you are entitled to 2/3 of your average weekly wage, tax free. TTD is the legal term for those payments.

AWW – This is short for average weekly wage. It’s the average wage you earned in the 52 weeks prior to your accident. It’s used to help calculate your payment rates for benefits like TTD and PPD.

PPD – Well, I just mentioned PPD, I better explain it. It stands for permanent partial disability. When you are all better and your case is ready to be settled, your payment will be based on the extent of your injury times your PPD rate which is 60% of your average weekly wage. It’s a weird formula we use to figure out what a settlement is worth.

MMI – Means maximum medical improvement. When you are done with your medical treatment and as good as you can get, you are at MMI. Hopefully that means you are back to 100% but it could also mean that you have some permanent restrictions that your employer must follow.

Application for adjustment of claim – This is the paperwork that is filed with the Illinois Workers’ Compensation Commission to officially start your case. Doing so prevents your case from being barred for waiting too long to file. This is the first thing an attorney will do for you.

Arbitrator – Our cases don’t have Judges or Juries. We have Arbitrators which are almost the same as Judges, but you won’t see anyone in a black robe. They preside over hearings and are the neutral party that will decide if you have a case if there is a dispute.

19(b) Petition – This is a motion your lawyer can file to get you an expedited hearing with the Arbitrator.

IME – Independent medical examination. This is a one time medical exam that the insurance company can send you to. It’s a tool they use to cut off your benefits and often these doctors make a lot of money from these exams and skew heavily in favor of the employer/insurance company.

Off work slip – It’s a note from your doctor that says you can’t work due to your injury. You need this in order to receive TTD benefits.

Form 45 – This is the form your employer is supposed to fill out when you report a work related accident to them.

Nurse Case Manager or NCM – Sometimes the insurance company will ask a nurse to monitor your case. They have a right to ask your doctors for medical records and bills. They don’t have a right to speak to your doctor, attend appointments or try and steer what medical care you receive. A good attorney will stop them from ruining your case.

Status Hearing  – Once an application for adjustment of claim is filed, your case gets assigned to an Arbitrator. Every 90 days there will be a status hearing which is a time when your attorney or the insurance company attorney can file motions related to your case and potentially ask for a trial.

No fault – This refers to the fact that you don’t have to prove negligence when filing a workers’ compensation case. Fault doesn’t generally matter in determining whether or not you are entitled to benefits.

Medicare Set Aside – When you are at MMI, if it’s anticipated that you will have future medical care related to your injury, the insurance company must take in to account the interests of Medicare.  So they have to give you money on top of your settlement to pay for those future costs. It doesn’t happen in every case, but does happen a lot.

Wage Differential – When you are at MMI if you have permanent restrictions that your employer can’t accommodate and find a new job that pays much less than the old one you may be entitled to wage differential benefits. This gives you 2/3 of the difference of what you’d currently be earning in the old job versus what you can make now. These benefits last for five year or until you are 65, whichever is longer.

Illinois Workers’ Compensation Act – This is the set of laws that govern all Illinois work injuries.

Mileage Rate – This is the amount the insurance company has to pay you per mile to travel to an IME or in some cases to your doctor. It’s set by the IRS and as of 2021 was .56 per mile.

Above The Red Line  – These are cases that were filed more than three years ago. At the status hearing they will automatically get a trial date unless your attorney provides evidence that the case isn’t ready to be tried.

RTW – Stands for return to work. You might hear a lawyer or Arbitrator ask what was the RTW date or if a worker has RTW’d.

Illinois Workers’ Compensation Commission or IWCC – This is the State agency that runs the work comp system, employs Arbitrators, etc.

Illinois Industrial Commission or IIC – This is the old name of the IWCC.

Pre-trial – This is an informal hearing between your lawyer, the insurance company lawyer and the Arbitrator. Each side will say what the disputes are in the case and what they think the evidence will show. The Arbitrator will usually then make a non-binding recommendation.

WebEx – Similar to Zoom. It’s an online system that is being used since Covid for status hearings, pre-trials and other case management issues.

Q-Dex – This is a book that lists the results of trials from cases at the IWCC.

Motion To Consolidate – Some injured workers have more than one accident. When that happens and there is more than one Application For Adjustment Of Claim, a motion to consolidate will put them all as one big case to make the process more concise.

Are there any terms that we didn’t mention? Anything else you want to know? Call us at 312-346-5578 any time to speak with a lawyer for free.

Medical Malpractice After An Illinois Work Injury

If you would like to speak with an experienced lawyer for free, contact us any time at 888-705-1766.

We are Illinois work comp lawyers. But we feel it’s our job to help people who come to us for advice on anything that stems from the work comp case. So if you have a back surgery and the doctor cuts a nerve in your back causing a major injury, you might also need a medical malpractice attorney. We don’t file those cases ourselves, but do work with the best firms in Illinois on those claims, when our clients need a referral or just someone to see if they have a case.

Now this doesn’t mean that your work comp attorney should be an expert on Illinois malpractice law. But any injury attorney in Illinois should be networked with attorneys who do those cases and be able to give you a referral if needed. These issues also come up so much that your work comp attorney should recognize that malpractice might have happened (not in every case of course) and discuss it with you.  It’s not much different than them investigating if a person/company other than your employer was responsible for your work accident. This is what it means to fully do the job.

What I’ve noticed over the years is that it’s the injured worker who raises this issue, not the attorney. That’s ok as they know what happened to them medically and how their body is feeling. But what I’ve also noticed is that a lot of attorneys tell their clients to wait until the work comp case is over before they do anything about suing the doctor. That is nuts, terrible advice and potentially legal malpractice.

I say that because if you wait more than two years from when you knew or should have known malpractice occurred (no longer than four years no matter when you knew) to file suit, your case will be barred forever.  So if your lawyer tells you to wait, they could be costing you potentially millions of dollars.

Most attorneys make this awful error for two reasons. First off they think they will need the opinion of the doctor you want to sue to help your work comp case. This might be true, but ignores some very important things. Malpractice lawsuits take a long time to investigate. So in the mean time they can get the doctor to give a deposition that locks in their opinion. They also could send you to a different doctor to review your records and offer an opinion.

The second reason attorneys make this mistake is that they are friends with the doctor or have a lot of cases involving them. So they don’t want to ruin their relationship with them. Put another way, they are looking out for themselves, not you.

Like anything else related to your work comp case, you have to be your own advocate. So if you suspect malpractice occurred, talk to your attorney and ask for a referral. If they blow you off, then they aren’t the right law firm for you and we’d be willing to discuss taking the case over.

The Best Illinois Work Comp Attorney From 2012 Might Not Be The Best One Now

A couple of months back I had a nice phone with the business manager of a big union. They are an ethical union that maintains a list of lawyers to recommend to their members. I say that they are ethical because you don’t get on their list by giving them cash, presents, nights out with strippers, etc. Sad but true that there are some unions who only recommend attorneys because they pay for it. Those aren’t unions that look out for their members.

I’m proud to be on their list and there a lot of other good names on there as well. They were updating their list and asked if I knew about certain attorneys. A couple of them were at firms where the main attorneys were now retired. One of them is listed as a firm, but it’s really just one guy.

This list was old and I do think most of these recommendations were good at one time. The point is that just because someone was a great attorney ten years ago, doesn’t mean that they are the right one to hire now.

The number one reason a lawyer goes from great to meh is age. They start thinking about winding down their practice. They spend the winter in Florida or Arizona or traveling. They hire a younger associate to do most the work. They start to lose the fighter gene that made them so great a long time ago. Covid hasn’t helped either as a lot of people have been isolated during the last few years and that has hurt them mentally.

These things happen. It’s OK for a lawyer to want a life outside of work. But if they don’t want to put in the effort that is needed to be great anymore, then they aren’t right for you.  And while there are other reasons such as burnout, family trouble, health, etc. that causes attorneys to not be good at their job, age is really the one you should be thinking about.

If you suffer a major injury today, it’s possible your case could last five years or more. So if you hire an attorney who is 65, you better hope that they want to still practice law and will be good at it at age 70. And if they want to practice law at age 70 you better find out why. Most successful lawyers get out way before then. I’ll be honest that one big reason I’ve turned my practice in to a network of attorneys is that I don’t want to be in a situation where I want to retire but can’t because I’d have to lessen my service or abandon a client.

Big picture, you want a lawyer who is experienced, but not too experienced. And if you get a recommendation for a lawyer from someone who says they did a good job for them, ask them when it was. If it was a while ago and the lawyer is old now, proceed with caution and make sure you really interview the attorney to see if they are the right fit for you.

What I can do for you is listen to the facts about your case, offer advice based on 25 years of experience and recommend which lawyer I know is best for your case and unique set of facts. If you would like help you can reach out for free and in confidence at 312-346-5578.

IL Work Comp, Prior Back Problems Don’t Mean You Don’t Have A Case

One of the biggest Illinois workers’ compensation myths is that a pre-existing condition can prevent you from having a case. Those prior problems can have an impact on your case and are often grounds for a bogus denial of benefits by the work comp insurance company. But unless you were under active care in the recent days or weeks prior to your work injury, those old problems are not usually held up as valid by Arbitrators who ultimately decide your case.

Take for example the recent case of an Illinois floor finisher. One day in March he fell down several steps while doing his job and hurt his low back. His injury was serious enough that it kept him from coming back to work. Like most people, including me, this wasn’t the first time he had back problems. That’s to be expected as you get older. Unlike most people though, this wasn’t a temporary aggravation even though that’s exactly what the hired gun doctor for the insurance company said.

In this case, he hurt himself in 2018.  His prior back problems were from 2007 and he didn’t have any problems with his back after that time. In other words, he’d been treatment free and essentially pain free for over ten years. There was no testimony or medical records that said otherwise.  He wasn’t limited in any way from doing his job duties prior to his work accident. After the accident he needed to seek ongoing medical care.

Calling this a temporary aggravation of an old problem, which is what the IME doctor said, is a farce. It drives me bonkers that insurance companies will be this extreme in trying to deny benefits, but they certainly are. In fact, this case is a great lesson for other claims. Even when they are paying for your care, they are looking for a way to cut you off. They’ll do it in what seems like the most painfully obvious ways. All they need to do to be successful, at least until you get in to court, is to get a hired gun doctor to say whatever they want to say.

And that’s the real problem. Finding a doctor who will say things that are completely counter intuitive and obviously wrong is not a problem. The only good news is that if you are cut off or denied for ridiculous reasons, winning at trial is usually not a problem if you have a lawyer who knows what they are doing. Sadly though, medical care can get delayed and health can be put at risk while this happens. It’s all the more reason to have a case officially on file so if a problem occurs you can get a hearing as soon as possible.

Illinois Nurse Proves Her Heart Attack Should Be A Work Comp Case

It can be difficult to prove a heart attack is work related in Illinois. Just being at the job when the heart attack happens or having a stressful job isn’t usually enough to win a case. The reality is that while these are difficult cases, they are winnable with the right set of facts. It’s also true that very few Illinois work comp attorneys have gone to trial and won a claim for heart attack benefits for their clients. So it’s important if you do have a heart attack and want to claim work comp to have an experienced attorney in your corner. It can be literally the difference between winning and losing a case.

There are some keys to winning a case like this:

1. Your medical records and other medical evidence presented.

2. Your testimony and how credible it is or isn’t.

3. Witness testimony.

That’s not a lot, but that’s how most Illinois work comp cases happen. In a recent case, a nurse in Alton was able to prove her heart attack was work related due to those three ingredients.  She was 48 at the time of her injury and working in a mental health facility. Her job duties included caring for patients who are criminally insane and unfit to stand trial. She worked 16 hour shifts, four days a week due to overtime mandates by the employer.

On the day of her heart attack, she got into a fight with a combative patient. She was kicked, bitten and spat on. Her heart began to race and she had problems breathing.  She was dizzy and had chest pain. She was sent to the ER and was diagnosed with a heart attack along with an injury to her knee.

Her case was denied, but she won at trial and on appeal. The Arbitrator put significant weight on her testimony which was found to be very credible. He also noted witnesses corroborated her story and medical records consistently documented that her heart problems began as the result of having to physically strain a very combative patient. It was very important that she didn’t have any heart issues before this incident and the fact that she worked so many hours in this stressful, unique job didn’t hurt either.

Now common sense will tell you that if you are in a physical altercation it can make your heart race and that in some cases that could lead to a heart attack. That seems very clearly what happened here. But Illinois companies and in this case, the State of Illinois itself, almost never voluntarily pay benefits when a heart attack happens. In a fair world they would do the right thing, but sadly that’s not how things work. All of this goes back to my original point that it’s important to have an experienced attorney in your corner as without one you have pretty much no chance.

If you’d like to speak with an attorney for free, you can contact our office any time at 312-346-5578.  We work with lawyers throughout the state so we can help you anywhere in Illinois.

Advice For Young Illinois Workers Compensation Lawyers

My practice of law is different than just about anyone I know. That’s because I’ve created a state wide network of attorneys who I believe do a great job of handling work injury cases. It’s also different because I put my direct line on this website (it’s 312-346-5578 and you can call any time for a free consultation). I talk in plain English and am not afraid to tell people the truth. I also try to treat everyone like I would a family member or friend.

I recently turned 50 and have been licensed to practice law for 25 years. I haven’t “seen it all” and hate people who talk like that, but I’ve seen a lot. I feel young, so while I’ve given advice to other lawyers over the years (mostly ones who just dabble in work comp) I felt odd when a very young lawyer contacted me for career advice.  As we talked more, I realized that advice I’d give a younger attorney would in many ways be helpful to people who were trying to consider which Illinois workers’ compensation lawyer to hire. So in no particular order here are some things I suggested:

1. If you find yourself at a law firm that you realize doesn’t fit with who you are morally as a person, leave before it’s too late. You don’t want to be guilty by association. There is one terrible law firm in Chicago that goes through a lot of lawyers. In my opinion the ones that stay a while have their reputations ruined.

2. No one client is worth your reputation, career, sanity, etc. If a client is really rude to me, staff, others, I will try to see what the root is of their frustration. But if it’s not something that can be solved, not being involved with them is the best call even if it costs you a lot of money. I find the attorneys who won’t walk away from bad clients worship money and pay for it in the long run.

3. While Illinois attorneys aren’t allowed to call themselves specialists when they advertise, the reality is that you will probably do a better job if you do just focus on 1-2 practice areas.

4. Just like with injured workers, there is nothing more important than your health. One good thing about workers comp is that it’s not usually an 80-90 hour a week job. So there should be time for exercise and a life away from work.

5. If you don’t like what you are doing for work, leave before it’s too late. The most miserable attorneys I know are guys in their 50’s who don’t like being a lawyer, but also don’t know how to do anything else. On the other hand, I’ve seen plenty of people practice work comp for 10 years and transition to a different area of law or something not legal at all.

6. Honesty is the best policy. Lying can kill a work comp claim. When an attorney lies it can kill a career or make it so nobody wants to work with you or trusts what you have to say.

7. Things aren’t always going to go smoothly. You’re not going to win every case. Not every client or opponent is going to like you. You are going to realize on some cases that you could have done better. That’s OK.

8. You can’t stop crazy people from being crazy. There is one lawyer I know that is beyond unreasonable. Instead of trying to argue with them, I’ve realized the best tactic is to use this knowledge.

I hope these tips helped this young attorney and I hope you gained some insight on what to look for in a lawyer. And as always, if you have any questions about a case, contact us any time.

If Your Lawyer Can’t Get Along With Others It’s Going To Be A Problem

One concern that I’ve heard from injured workers over the years is that they don’t like that their attorney seems to be buddies with the defense attorney. They convince themselves that this means that their lawyer has been bought off or that they won’t try as hard because they don’t want to make their friend mad.

I can tell you that even the worst attorney in Illinois work comp isn’t being bought off by anyone. That simply doesn’t happen and couldn’t happen for a lot of reasons, including that it wouldn’t make economic sense for anyone and a billion dollar insurance company isn’t going to risk their ability to exist over a work comp case.

I can also tell you that I’ve never seen a lawyer not try because they don’t want to make the defense attorney upset. That’s not to say that some lawyers don’t fight hard. That absolutely is a problem. But it’s more because they are lazy or don’t care than because of their friendship with the defense attorney. In fact, in most cases, having a good relationship with the defense attorney will actually help you get a better result. Those lawyers aren’t going to sell out their clients either, but if they like you, they are often more flexible on the case and will give you a true indication of what their real bottom line is.

And it’s become more important than ever for your lawyer to get along with others. That’s because of new Illinois Workers’ Compensation Commission rules. Pre-trials, which are settlement conferences, are being done via Webex which is an online tool similar to Zoom. As of August 1st, the way they are going to work has changed. It used to be that all pre-trials happened with the Arbitrator and two attorneys present. That was how it worked pre-Covid and how it worked on Webex until recently.

Now, if a case is set for pre-trial, the two attorneys are required to go in to a break out room and discuss the case themselves before the Arbitrator joins. This is a great idea because in many claims the opposing attorney doesn’t respond to phone calls or emails until they have to. If you want to get something done, talking face to face, even on computer is the way to go.

Now if your lawyer is the fake tough guy/girl type who acts like they are a badass for show, they will quickly get a bad reputation. If they don’t get along with others or can’t have a reasonable conversation, other attorneys won’t want to work with them. That greatly decreases the chances of getting a resolution to your case in the break out room and also when the Arbitrator comes in to see how your talk is going.

People confuse what it means to fight for a client. That doesn’t mean yell, scream, be rude, etc. It means that the attorney does everything they can within their power legally to get you the best result possible. That includes aggressively filing trial motions, getting the case ready for trial, continuously reaching out to the defense attorney, etc.

It blows my mind how many attorneys take the approach that the best way to help their client is to be a dick.  Maybe it intimidates some young lawyer or adjuster, but in the end it will lead to a lot roadblocks. And now thanks to these new procedures, if your lawyer is a jerk it may stop your case from settling when it should.

So how do you know your lawyer is a jerk? Odds are that if they are mean/rude to you, they aren’t so great to others either. All you can do in that situation is find a better attorney before your current one causes irreparable harm to your case.

How To Get A Surgery Approved Under Illinois Work Comp Law

Generally speaking, your medical care in an Illinois workers’ compensation case should be guided by your doctor. For most cases like back, leg, hand, shoulder injuries, etc., that doctor would be an orthopedic. Typically they’ll start with physical therapy for you, then maybe try pain injections and if that fails they might suggest surgery.

Work comp insurance companies usually won’t put up much of a fight for physical therapy, assuming there is no dispute your injury is work related. They will at times scoff at paying for a MRI and quite often try to prevent a surgery from happening due to the cost.

The reality though is that it shouldn’t be up to them. It should be up to your doctor assuming that they are credible which most orthopedic doctors are. Unfortunately, that’s not how work comp cases usually go down.  Insurance companies will make you jump through hoops because they don’t care if you get better, they just care about their bottom line.

Two recently decided cases show how to get a surgery approved.

In case number 1, an assistant manager at a retail store was transferring 50 pound bags of dog food and felt pain down her leg. She got physical therapy and eventually had a lumbar discetomy. That didn’t fix her problem and her doctor recommended a lumbar fusion. Due to her pain she wanted this surgery. The case was denied with help of an IME doctor who on cross examination admitted he hadn’t reviewed any of her medical records. That shows you what a real hired gun doctor is about. They’ll say whatever the insurance company wants.

This worker won her case for a bunch of reasons. First off her doctor was credible. Second, the IME doctor was not credible. Third off the Arbitrator found she had exhausted all other options. She did additional therapy after the first surgery and had pain injections yet continued to have symptoms. Because of all of that, the plan for another surgery was reasonable.

In case number 2, a worker suffered a crush injury to his thumb when it got stuck in a machine.  Eventually his doctor recommended a surgery. That was denied in part because the IME said that it was unlikely that the surgery would offer any improvements. Prior to the surgery the worker did physical therapy and other means to improve his pain. Nothing worked. And while there was no guarantee the surgery was help, there was also no indication that it could in any way be harmful.  Because of that and the reasonable course of treatment, the doctor’s recommendation for surgery was approved by the Arbitrator.

In both cases the workers did important things that helped them win approval for surgery. First off they immediately sought medical care after getting hurt. Second is that they got referred to good orthopedic doctors. Third, they listened to the recommendations of their doctors including trying less expensive options like physical therapy. In one of the cases the IME doctor was credible in the other, they weren’t. But in the end it was the treating doctor who was listened to because everything else made sense and showed a good course of treatment.

It’s insane that it has to come to this, but this is the reality of how Illinois work comp cases take place. Even if the insurance company is nice at times, I assure you that they are trying to reduce their costs even if it’s at the expense of your health.