Getting hurt at work can be scary. One moment you are fine, but the next you are dealing with pain, medical bills and missed paychecks. But if you work in Aurora, you will need to be aware of your rights. That’s because workers compensation exists to protect you and understand how it works.
What is Workers’ Compensation?
Illinois workers’ compensation is a form of insurance. Employers are legally obligated to carry it for their workers. If you become injured on the job, this insurance covers your medical expenses. It also pays you a portion of your lost wages. You do not need to prove negligence on behalf of your employer. You only need to prove that your injury occurred while you were working.
The concept is pretty straightforward. However, the process often becomes more complicated than necessary.
Who is Eligible for Benefits?
In most cases, if you work in Illinois, you are eligible. Whether you are a full-time or part-time employee. Whether you were hired yesterday or ten years ago. If you were injured while performing your job duties, you have every right to file a claim.
There are exceptions. Not every single worker in Illinois will qualify for workers’ comp. For example, independent contractors do not qualify. Some domestic employees may also be ruled ineligible. If you fall into a category that you are not sure about, it is better to find out. Assume you are covered, and you just might be denied benefits later.
Some of the Most Common Workplace Injuries in Aurora
Aurora is home to many different industries. Companies in construction, manufacturing, warehousing, and healthcare employ many Aurora residents. Each of these jobs comes with its own set of physical dangers.
Workers commonly suffer injuries like:
- Back/spine injuries from lifting heavy objects
- Slip and fall accidents
- Repetitive stress injuries (i.e. carpal tunnel syndrome)
- Machinery accidents in warehouses or factories
- Lacerations, burns, and harmful chemical exposure
Office workers can even be injured on the job. Sitting in front of a desk for years can cause serious ergonomic injuries.
The Steps You Should Take After Being Injured at Work
Time is important when filing a claim. Follow these steps immediately following an injury:
- Report the injury to your employer. As soon as you are able, tell your supervisor what happened. Illinois law states that you have 45 days to report your injury. Don’t wait until the last minute.
- Seek medical treatment. Your employer will likely tell you to see a specific doctor. See that doctor. Even if you think you are fine.
- Record everything. Take detailed notes on how the injury occurred, when, and who was there to witness it. Keep copies of any and all medical records/bills.
- File a claim. Make sure that your employer’s insurance company is notified and taking action. If they aren’t, you can file a claim with the Illinois Workers’ Compensation Commission.
Failing to complete any of these steps can jeopardize your claim down the road.
Types of Benefits…
Because of workers’ compensation, Illinois employees can receive benefits such as:
- Medical treatment
- Temporary disability benefits (while recovering)
- Permanent disability benefits (if injury is permanent)
- Vocational rehabilitation
How Much Can I Expect to Receive?
The severity of your injury determines how much you can receive. Benefits for lost wages are typically calculated at around two-thirds of your normal wage. This is only for temporary benefits. They are meant to support you while you recover.
When You Need Legal Help
Not every claim goes smoothly. Employers or insurance companies sometimes deny valid claims. They may argue the injury was not work-related. They may offer a settlement that is far too low.
This is where Aurora workers’ compensation attorneys can help. A good attorney knows the Illinois system inside and out. They can gather evidence, negotiate with insurers, and represent you before the Workers’ Compensation Commission if needed. Most workers’ comp lawyers work on contingency, meaning you pay nothing upfront. You only pay if you win.
You Have Rights. Use Them.
A workplace injury does not have to ruin your finances. Illinois law is on your side. Take the right steps, know your options, and do not be afraid to ask for help when the process gets tough.
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