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Once you have given notice and sought appropriate medical treatment to document your injury, the […] The post How Work Injuries Work: Step Three appeared first on Harter & Schottland.
Once you have given notice and sought appropriate medical treatment to document your injury, the next step is to wait and see if your employer’s workers’ compensation carrier will accept or deny liability.The employer must inform the insurance carrier or workers’ compensation administrator, even if the employer disputes the your claim. The employer should also have reported the accident to the Commission on the form, “Employer’s First Report of Injury” which is known as the Form 45.
If your injury is accepted as a work accident you are entitled to the following: Medical care that is reasonably required to cure or relieve the employee of the effects of the injury; Temporary total disability (TTD) benefits while the employee is off work, recovering from the injury; temporary partial disability (TPD) benefits while the employee is recovering from the injury but working on light duty for less compensation; Vocational rehabilitation/maintenance benefits are provided to an injured employee who is participating in an approved vocational rehabilitation program; Permanent partial disability (PPD) benefits for an employee who sustains some permanent disability or disfigurement, but can work; Permanent total disability (PTD) benefits for an employee who is rendered permanently unable to work; Death benefits for surviving family members.
If you cannot work for more than three days because of the injury, your employer must begin Temporary Total Disability payments, request more information from you, or give a written explanation of why benefits are denied.
If, for whatever reason, your employer does not contact his carrier, you can try and contact them directly. To identify the party responsible for paying benefits, an employee may check the employer’s workplace notice, check the Commission’s website, or contact the Commission at inscompquestions.wcc@illinois.gov or toll-free at 866/352-3033.
If your employer does not have workers’ compensation insurance, that does not mean all is lost. The Act has set up both relief for injured workers and punishment for non-compliance employers. This is a complex and lengthy process, but recovery is possible.
There are many pitfalls along the way. For example, it is possible that an insurance carrier will want you to give a recorded statement. As workers’ compensation practitioners, we would caution you against providing any statement without first seeking the advice of counsel. Also, there are many reasons that your employer might deny your claim. This does not mean that you are not entitled to workers’ compensation benefits. However, it does mean that the case might have to be litigated. It is important to remember that even though you have been injured, and an adjuster has spoken with you, and some paperwork has been sent to the Commission, you do not have a workers’ compensation claim with the commission unless you file one. That means if you are denied benefits, you would first have to file a claim with the Commission and then wait to be assigned an arbitrator and then wait until your assigned location runs hearings. This can be a delay of several weeks. If you are waiting for treatment or TTD, this wait can be devastating. This is one reason that it is always a good idea to speak with an attorney at the very beginning of your case even if you think things are going flawlessly.
The post How Work Injuries Work: Step Three appeared first on Harter & Schottland.
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