The workers’ compensation system exists to cover employee work-related injuries, including on-the-job stroke or heart attack, damage from repeated use of a body part, preexisting conditions made worse by work activities, and other on-the-job injuries.
This coverage pays medical costs related to the injury, including lost wages and rehabilitation expenses. The Illinois Workers’ Compensation Act details the rules and regulations for the state’s program.
All employers having at least one employee are responsible for providing workers’ compensation insurance or seeking to self-insure. They must make information readily available to employees, including the insurance carrier, policy number and contact information. Employers must track work-related injuries resulting in more than three lost workdays and report work-related deaths within two days of the incident.
Following a work-related injury, employees should seek immediate medical attention and let the doctor know it will be a workers’ compensation claim to know the employer will pay the medical bills. The injured employee should notify the employer about the incident, provide the name and address of the hospital, if applicable, and provide the employer with medical records related to the injury. Note that this does not include a complete medical history, only the relevant information.
If a workers’ compensation claim is not approved, an employee may file a civil suit to recover damages. However, if an employee reports a work-related injury immediately, seeks medical attention and follows the treatment plan to return to work, chances of approval are high unless there are extenuating circumstances.