Illinois workers compensation law requires all employers with a single employee or more to carry workers compensation insurance. The only type of business that is exempt is a solar proprietorship. While many small business owners may not like paying for workers compensation insurance, the fact is that it exists to protect both employers and employees.
It protects employees by guaranteeing that any injuries that they suffer while working will receive appropriate medical care at no cost to them. It also protects employees by providing them with a financial safety net. Especially, if they become injured and unable to work due to a workplace accident.
Workers compensation insurance also protects employers by having insurance that will cover the medical bills if an employee is injured.
Workers Compensation Law Facts In Illinois You Should Be Aware Of
- Worker’s compensation is a combination of medical and disability insurance. Employees injured while on the job receive financial compensation in the form of lost wages. They also receive medical bill coverage and money for any permanent disability that they suffer.
- It’s illegal in the state of Illinois for any employer to retaliate against an employee for filing a worker’s compensation claim. This stipulates that the law is in place to prevent employers from intimidating employees. Especially, for filing a worker’s compensation claim or reporting an on the job injury.
- If an employee works for a company in Illinois, and they have to work out of state as part of their job, they will still have cover under Illinois workers compensation laws.
- If you work as an independent contractor in the state of Illinois, you will not be covered by workers compensation insurance. A common example of an independent contractor is someone who makes deliveries for a large company. Or, someone who works with a rideshare company.
More Important Facts
- If you sustain an injury on the job, workers compensation insurance will provide you with any long-term care that you may need. For example, if a fall causes you to injure your back, the responsibility of the insurance company doesn’t end after physical therapy. It doesn’t even end when you quit your job. You have the right to any future treatment that you may need due to this injury.
- Hiring a workers compensation lawyer can help to protect your rights. Especially, in the event that an employer retaliates against you, denies your claim, or disagrees with your medical diagnosis and refuses to pay for treatment that a worker requires.
- If your injury allows you to work on a limited basis, you can return to work on light duties. You can do this while receiving workers compensation insurance. This will help protect your income.
- Payments that an employee receives from workers compensation are normally tax-free.
- If an injury occurs that prevents an employee from returning to their regular job, they may receive training. This will help them find a new job more suitable to their current physical abilities.
- Days missed while on a worker’s compensation claim cannot be counted as vacation or sick days.
- Every year there are more than 400,000 workers compensation claims filed in Illinois.