
If you are injured on the job in Illinois, I thought it would be helpful to have a road map. I have put together a list of common terms, what typically happens in a case and other things you should know. Some may be obvious, others will not be. And while every case is different based on its own unique facts, here are things injured workers in Illinois should know.
And as always, please contact us any time for a FREE case review with an experienced attorney at 888-705-1766.
The Stages Of Illinois Workers’ Compensation Litigation
Illinois workers’ compensation claims are not lawsuits, they are claims for benefits. That said, if your benefits are denied or delayed, there are hearings with attorneys present for you and the insurance company or employer. There can be up to five levels of hearing if your case goes to arbitration.
- Arbitration – This is the most common. The Illinois Workers’ Compensation Commission employs arbitrators to hear cases. Before an arbitration can happen, you have to have a pre-trial in which each lawyer will tell the arbitrator what the case is about and then the arbitrator makes a recommendation. If that does not resolve your issue, an arbitration will take place where you will testify. It is nothing like TV beyond there being a court reporter and lawyers. Most arbitration hearings take less than one day and then the arbitrator makes a ruling usually within a few months.
- The Commission – After the arbitrator issues their decision, each party has the option to appeal. If that happens it gets assigned to a panel of three commissioners at the Illinois Workers’ Compensation Commission. You as the injured worker will no longer be involved. Instead, your lawyer will write a brief (legal memo) that outlines the case and how they think it should work out. There will then be an oral argument where your lawyer and the other lawyer will tell the commissioners about the case and get asked questions. After that, the commissioners will issue a decision. That whole process takes 12-18 months on average.
- Circuit Court – Each party can then appeal the case further, but doing so typically only makes sense if you are appealing because you think the law has not been interpreted correctly. This will assign your case to a Judge who again will receive legal briefings and hear oral arguments before making a decision.
- Appellate Court – Much like the Commission, this is an elevated appeal before multiple Judges, but instead of three, it is five. The same process with a brief and argument plays out.
- Illinois Supreme Court – It is highly unusual for an Illinois workers’ compensation claim to make it this far, but it happens maybe once every other year. If it does it would be because there is an argument that could potentially create new law or change how the Illinois Workers’ Compensation Act has been interpreted previously.
The Key Point – Most Illinois work comp cases settle and if they do go to Arbitration, they are usually not appealed farther than the Commission level. In other words, do not worry about this, just make sure you have an understanding of how things go.
Bonus Tip – Some lazy lawyers will discourage clients from going to trial by telling them the process will take years. That is theoretically true, but not likely in most cases and not a good reason to give up your rights.
Proving Entitlement To Illinois Workers’ Compensation Benefits
In every case, an injured worker has a burden of proof to show two things. That there injury arose out of and in the course of their employment. It is important to understand what that means.
Arising Out Of Your Employment
This means that your injury is connected to your job duties and it is from a risk that is associated with your job. For the most part it is a common sense test. If you were lifting a box as part of your job and hurt it, that meets the requirement. If you are goofing off and tear your leg while showing someone what a great dancer you are, then it would not be covered.
The main thing to know is that if your employer is benefiting from your work, it meets the test. In other words, if your normal job is to work on an assembly line, but you slip and fall while taking out the trash, that would be a case.
What we as lawyers do is ask “How did it happen?”
In The Course Of Your Employment
For this you should think of the time of the accident and the circumstances. We also again think did your employer benefit from you being there and doing what you are doing.
For example, let’s say you are supposed to clock in at 9 a.m. and show up to the company parking lot at 8:45 a.m. If you slip on ice and break your leg, your employer benefited from you being there so it would still be a case.
And of course injuries during normal working hours when you are doing your job should be covered. This can also be extended to injuries while walking to a bathroom break or things that are not actually a job activity, but reasonable for a worker to do.
The Importance Of Telling Your Employer About An Accident
The most frustrating thing we deal with as attorneys who represent injured workers is when an insurance company or employer gets away with not paying benefits due to some loophole. The biggest one involves your obligation to notify your employer about an accident.
Under Illinois law, you have to tell your employer about an accident/injury within 45 days of when you knew or should have known that you had a work related injury. Some workers do not do this because they are worried about their job or do not want to make their boss mad. This is a huge mistake. Once those 45 days passes, you lose your rights forever. That means no payment of your medical bills, no compensation for time off of work and no settlement when you are better.
Telling them about an injury does not mean you are bringing a claim. It just means you are protecting your rights. So as Nike says, just do it.
Bonus Tip – If your boss witnesses an accident, it is notice. If they become aware of it from someone else, it is notice.
Bonus Tip #2 – The best way to give notice is in writing. Text or email makes the most sense and prevents them from saying that you never told them about it.
Eligibility To File For Workers’ Compensation In Illinois
To bring an Illinois work comp case, you have to show that Illinois has a right to hear the case. This is known as jurisdiction. It is shown in three ways. You only need to show one of them
- You were hurt in Illinois– Even if you work for an out of state company, if the injury takes place in IL, you get to bring a case here. That is huge as Illinois has the best benefits for injured workers of any state.
- You primarily work out of Illinois – This could mean you are a truck driver or flight attendant whose home terminal is Illinois. It could mean that you work in multiple states, but mainly Illinois.
- Your contract for hire was in Illinois – This means that the last act to hire you occurred in Illinois. Often that is a physical exam or interview taking place in Illinois. Sometimes it means you were hired over the phone in Illinois before you went to work for an out of state company. If they sent all your paperwork here and then started you working, you can bring your case here.
Important Point – If you were hired in Illinois and then transferred with your company out of state, if you continued to work for them the whole time, you can bring your case here.
Pre-Existing Conditions and Illinois Work Comp Law
A very common insurance tactic is to state that your injury is pre-existing so you do not get benefits. This is simply a lie. Every case is different and the law in Illinois is very clear. In fact it states:
A pre-existing condition does not prevent recovery under the Illinois Workers’ Compensation Act if that condition was aggravated or accelerated by the workers’ job. To win compensation, a worker has to only show that the job was a “causative factor.” It does not have to be the only cause or even the primary cause.
In other words, if your job duties make a problem worse, you get work comp benefits. As lawyers, what we look for is were you treating for this problem right before your job made it worse. In other words, if you have been going to a doctor for two years for a back injury that happened at home and now want to say it is due to the job, we would need to have clear evidence, usually from a MRI, that something happened that made the problem worse.
On the other hand, insurance companies will say the fact that you were dealing with a problem 10 years ago is why you have trouble now. They will even say that when you have a clear accident. That is total nonsense.
The Key Point – Facts matter and how your job made your problem worse is what we care about and the most relevant issue in winning benefits.
Medical Rights For Injured Workers
As an injured worker, you have a right to have 100% of your medical care paid for. In other words, you do not have to worry about having health insurance in order to get treatment. As long as the treatment is reasonable (not experimental, medically accepted) and related (due to your work injury) then it should be covered.
You have a right to a 2nd opinion as well. That said, if one doctor refers you to another, even for a 2nd opinion, that is considered part of one chain of medical choices. You are usually entitled to two chains of medical choices. After that, any payments would be your responsibility.
So if you get hurt and go to the ER who tells you to follow up with your doctor who then sends you to an orthopedic doctor who recommends a MRI and physical therapy, that would be one chain of referrals. If that orthopedic doctor wants to do surgery and you seek a 2nd opinion without a referral, that would start your 2nd chain of referrals. Anything beyond those two chains would be your responsibility.
Key Point – Get a referral from one doctor to another. Do not doctor shop.
Bonus Tip – Your employer might send you to a company clinic or IME. You usually have to go to these appointments, but these doctors are not looking out for you. Always get someone who has no allegiance to your company to look at your injuries.
Calculating Your Average Weekly Wage
Determining how much you make your week is an important part of how Illinois workers’ compensation benefits for lost time (TTD) and settlements (PPD). It is also the main way that insurance companies steal from injured workers.
Your average weekly wage is often the amount you made the last year divided by 52 weeks. If your salary is $104,000 a year, your average weekly wage is probably $2,000.
But if in the past year you had time that you did not work and were not compensated, that changes how your average weekly wage should be calculated. If there were three weeks you did not work or get pay, instead of dividing by 52, we would divide by 49. If you are a seasonal worker it would be a much lower number.
We also use all of your jobs in calculating your wage. As long as your employer for the job you were hurt on was aware of the 2nd job and fine with it, both jobs should be included in the calculation. That greatly increases what your pay will be.
And overtime benefits are included too (at the straight time rate) when it is mandatory and consistent.
Key Point – A lot of things can affect your average weekly wage and getting it wrong can cost you thousands of dollars or more. It is usually one of the first things an attorney will look at.
Bonus Tip – If your wages were underpaid, they can be paid retroactively. So not all is lost if it was done incorrectly.
Illinois Workers’ Compensation Settlements
Almost every Illinois work injury case has some settlement value. A broken tooth or sprained finger might be worth a few hundred dollars. A major injury could be worth over $1 million. Most cases fall somewhere in between.
There are some key factors in determining what your case is worth. They include:
Your average weekly wage – The more you earn per work, the more your case is going to be worth compared to similar injuries for workers who make less.
Your medical treatment – Having a surgery usually makes a case worth more. Injections can make a case worth more.
The body part injured – Severe injuries to your shoulder are going to be worth more than those to your thumb. A bad back injury is usually worth more than a bad foot injury. Each body part is assigned a certain value. “Man as a whole” injuries are worth the most.
Your recovery – This is a huge factor. If you make a full recovery, you are still entitled to something, but not as much if you had restrictions. And if you can no longer work the same job, a case worth $50,000 could suddenly be worth ten times that if you have a significant wage loss.
How the injury will impact your future – This varies from case to case, but if you will have arthritis or other issues in the future, that can increase the case value.
Future medical care – This is a part of many settlements on top of the normal settlement. It is called a Medicare Set Aside. It is possible the insurance company will have to fund a medical account for future medical needs like additional surgery. That could be an additional large sum on top of the settlement itself.
These are not every factor, but the major ones.
Bonus Tip – Every case is different. Just because a co-worker got something for their injury that does not play a role in what your case is worth. It may be worth the same, less or a lot more.
This is hopefully a great resource for anyone who has an Illinois workers’ compensation case. We have helped tens of thousands of injured Illinois workers and would love to help you. Our state wide network of experienced attorneys is unmatched and allows us to serve all of Illinois. Please reach out any time for a free case review.