With over 2.8 million non-fatal work accidents in the United States each year, injuries on the job are one of the most unpredictable yet everyday occurrences in the workplace. As a result, Illinois offers workplace injury coverage through workers’ compensation insurance.
The benefits awarded in a successful workers’ comp claim in Chicago can have a substantial impact on the financial security of an injured worker and include full coverage of medical expenses and disability benefits. If you or someone you love had a non-fatal accident at work, read below the step-by-step process to obtain workers’ compensation in Illinois.
Why the Illinois Workers’ Compensation Process Matters
Workers’ compensation in Illinois helps create stability for employees after a work-related accident. The benefits can include full coverage of medical expenses, partial wage replacement, and rehabilitation services. These benefits can offer financial relief for many workers, as well as the reassurance that recovery will not derail their entire lives.
Still, the system is not always simple. Missing deadlines or incomplete filings can lead to delays or outright denial. Knowing the step-by-step process is the best way to avoid setbacks and secure the support you deserve.
1.) Seek Medical Attention and Notify Employers
After an injury in the workplace, it is vital to seek medical attention as soon as possible. Workers only have 45 days to notify employers about a workplace injury before they become ineligible for workers’ compensation. As soon as you identify an injury, seek medical attention, and confirm that the injury is work-related, it is essential to notify your employer.
You may notify your employer verbally or in writing. However, the Illinois Workers’ Compensation Commission recommends writing. Keep in mind that another co-worker telling your employer about an injury does not qualify as a notice; it is the responsibility of the injured party to notify their employer.
2.) File an Application for Adjustment of Claim
The Illinois Workers’ Compensation Commission plays a key role in the process of obtaining workers’ comp benefits. Specifically, the Commission can order your employer to give you benefits. For this to happen, you need to submit a workers’ compensation claim through the mail or to your employer.
Filing this claim can speed up the dispute process if one were to occur in the future. It is also essential to notify your employer and seek medical attention before this step. Otherwise, your claim may be denied.
3.) Respond and Communicate with Your Employer
Once your employer receives notice of your injury, they must take specific actions. Typically, this involves:
- Providing a list of approved medical providers through their Preferred Provider Network (PPN)
- Beginning the insurance claim process
- Filing an accident report with the Illinois Workers’ Compensation Commission within 30 days
Staying in touch with your employer during this period is a must. Consistent communication helps track progress and prevents missteps that could weaken your claim.
4.) Check Claim Status
Ensure you are up to date with the status of your claim. If your employer does not approve all aspects of your claim, you may need to appeal the decision. You can use the Illinois Workers’ Compensation Commission website to check the status of your claim.
Can Employers Refuse to Compensate an Injured Worker?
In some situations, employers may refuse to give workers’ compensation for a variety of reasons, including:
- The accident did not happen at work
- The employee either did not report the injury or did not seek medical attention
- The worker was intoxicated or on drugs during the time of the injury
- The injury happened at the workplace but outside of paid hours
- The employer disputes the nature of the injury or the facts of the incident
The Role of an Attorney in the Illinois Workers’ Compensation Process
While many claims move forward without conflict, contested cases are common. The Illinois Workers’ Compensation Commission recommends legal representation when disputes arise. A workers’ compensation lawyer can help you gather medical evidence, represent you in hearings, and fight back against unfair denials.
For serious injuries that affect long-term employment or require ongoing treatment, legal guidance often makes the difference between partial and full benefits.
Moving Forward with Costa Ivone
Recovering from an injury is challenging enough without having to navigate paperwork and legal barriers. At Costa Ivone, we guide workers through the Illinois workers’ compensation process, allowing them to focus on their recovery. Our attorneys have secured benefits for countless Illinois workers and understand how to handle employers and insurers who refuse to cooperate.
In addition to workers’ comp cases, our team handles personal injury claims across Illinois. From car accidents to wrongful death, gain the legal support that injured individuals and their families need.
Contact us today for a free consultation. We are ready to stand by your side and fight for your benefits.
