In Illinois, workers’ compensation insurance is mandatory. In other words, employers are required to carry workers’ compensation insurance for their employees. Under workers’ compensation insurance policies, compensation and medical benefits are provided to employees who are injured on the job regardless of negligence or fault. Workers’ compensation laws also prohibit injured employees from suing employers in court for workplace accidents and injuries.
What Benefits Must Be Provided?
The Illinois Workers’ Compensation Act (IWCA) governs Chicago workers’ compensation claims and requires employers to provide injured employees with the following benefits:
- Medical expenses
- Choice of doctors
- Lost wages (also known as Temporary Total Disability) of two-thirds of employee’s average gross weekly wage if injured employee cannot work while he or she recuperates
- Partial Permanent Disability (PPD) or Permanent Total Disability (PTD)
- Lost wage differential
- Job retraining
What Happens If an Employer Fails to Obtain Workers’ Compensation Insurance?
If an employer fails to obtain the required workers’ compensation coverage, an injured employee will be entitled to sue the employer in civil court or file a claim with the state workers’ compensation system. Exposure to a civil lawsuit can be extremely costly and time-consuming for an employer so it is important to obtain the appropriate level of workers’ compensation coverage.
What Other Obligations Do Employers Have?
There are several things that an employer can do to help minimize the number of workers’ compensation claims.
- Take all appropriate and necessary steps to promoting workplace safety, including following all laws and regulations imposed by Occupational Safety and Health Administration (OSHA).
- Educate employees about workplace safety and workers’ compensation.
- Ensure that employee promptly receives all necessary medical treatment, including diagnostic procedures, medicines, and medical supplies. It is important to seek immediate medical treatment so that the injuries can be assessed and treated, and so that a medical record can be established.
- Following an injury, the employer should be actively involved in the investigation process.
- Following an injury, the employer should be proactive about maintaining contact with both the employee and the insurance carrier regarding the claim process. The employer should make itself to answer questions and provide information to the employee and insurance carrier.
- Cooperate with the employee to pursue to any third-party negligence claims that might also be involved, such as product liability, general contractor liability or premises liability.
The Chicago workers’ compensation law firm of Ankin Law Offices, LLC is well-versed in all aspects of workers’ compensation laws. If you have any questions regarding workers’ compensation – whether you are an employer or an injured employee – contact one of our Chicago workers’ compensation attorneys to schedule a free consultation.