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Workers Compensation Protects You

In the event of a workplace accident, the workers ‘ compensation scheme was structured to provide assurance to injured workers. The law does not authorise a direct common law law claim against the employer, in return for such benefits. The tragic fact about Workers ‘ Compensation claims is that employers are frequently pitted against employer interests. The insurer has retained insurance firms to manage the claim; their goal is to reject or mitigate claims for cost savings, even at the expense of the injured worker. Do you want to¬† find more.

Although workers ‘ compensation law provides a statutory redress for occupational injuries against employers, injured employees can also have a claim against other parties that share responsibility for the accident, also known as “third party defendants.” A “third party cause of action” means that if someone other than the employer is responsible for the accident that caused the injuries, you will sue the third party as well as making a claim for compensation to the workers. A third party lawsuit can be made against the manufacturer of a product or business that built a piece of equipment, managed a work site, maintained the land or caused an accident involving a motor vehicle.

Workers’ compensation is considered a no-fault scheme that requires employees who are injured or ill to obtain costs and missed pay by not suing employers. Employee benefits include: 100 percent of your medical insurance is covered, the right to select your favourite doctor, 2/3 of your salary or wages are tax-free when you are recovering from the accident before Full Medical Improvement (MMI).

When do you ask, when do you report an injury? Report as soon as you know you are sustaining an injury. The value of notification when it comes to a work-related accident is difficult to understate. You want to be on record with your employer immediately; your employer should make you fill out Form 45, the state Workers Compensation form. Illinois requires the filing of a lawsuit for 45 days. Failure to do so may provide grounds for the denial of benefits by a worker compensation carrier, even if the occupational injury is very serious. You should consult an attorney in addition to contacting your supervisor or benefits director (typically an HR function). The Illinois Workers Compensation statute is formulated in such a way that lawyers are not paid until a settlement occurs. If you have an accident, it is in your interest to contact an attorney promptly and enter into an Attorney’s Representation Arrangement.

Don’t forget to record what caused the accident, because it’s necessary to make a claim. Provide the following information to the employer and attorney if the incident was the product of a particular accident: names of all witnesses, explanation of how, why, and where the accident and incident occurred, and any other information that may help to settle the lawsuit.

You are given an arbitrator and one case number after the claim has been filed. You may apply for a trial or make other emergency requests during the status call. This bi-monthly review process will continue until the red line hits the claim, which is around three years, at which point the Arbitrator will reject the claim for failure to prosecute if at that time you are still not handling it.

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