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Forms of Workers Comp Benefits

Workers' Compensation Benefits

Paying for Workers Comp in Peoria

Workers comp benefits are paid for by the employers in a State. It is a state-mandated insurance program that provides benefits to employees who are injured in the course of employment. Workers comp systems may vary from one state to another, but employers pay for workers compensation typically in one of three ways: premiums to a state-run insurance program, payments to an insurance company, or directly to workers. In Illinois, an employee with a work-related illness or injury is entitled to workers’ compensation benefits paid by the employer's insurance carrier regardless of who is at fault for the illness or injury. Unlike an employee’s salary and wages, workers’ compensation benefits are not taxable income to the employee.

In Peoria, Harvey & Stuckel are expert attorneys specializing in workers compensation. We help injured workers receive the best benefits possible by using the law to their advantage. This means knowing the circumstances of the accident to determine the amount that an employer has to pay on top of medical bills and missed days due to the injury. At Harvey & Stuckel, we have your best interests in mind as we work for you while you recover from your injuries. Our personal injury cases have high success rates, and because of this, we have helped many injured workers get back on their feet and resume their normal lives. Paying for workmans comp is an important aspect of business, and Harvey & Stuckel is here to ensure that the law is followed.


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Experts in Workers's Compensation

Worker's Compensation Insurance in Illinois

Employers in Illinois must carry workers’ compensation insurance for their employees. The coverage must provide benefits that depend on the type and severity of the injury to workers who are injured while on the job. These benefits mainly include the following:

  • medical expenses and costs for rehabilitation
  • temporary total disability (TTD) benefits that are equal to two-thirds of the employee’s average gross weekly wage if the employee is unable to work while recovering
  • temporary partial permanent disability (TPD) benefits equal to two-thirds of the difference between the average amount that the worker would be able to earn in his or her pre-injury job and the net amount that he or she earns in a light-duty job while recovering
  • permanent total disability (PTD) benefits if there is a loss of use of a part of the body
  • job retraining to update the skills of the injured worker

Furthermore, employers in Illinois are not only required to provide the abovementioned benefits. They must also provide a visible notice in the workplace explaining workers comp rights and showing the name, policy number, and contact information of the employer’s insurance provider. Employers must also keep records of work-related injuries and to report those that involve more than three lost work days to the Illinois Workers Compensation Commission. Moreover, an employee suffering from a work-related injury or illness should promptly notify the employer within 45 days of the accident. The notification should include the date and place of the accident, a brief description of the accident and resulting injury, and the employee’s contact information.


How Much Do Workers Receive?

To expound on the payments mentioned above, if an employee cannot work after a job injury and qualifies for Illinois workers’ compensation, then he or she should receive 2/3 of his or her average weekly wage in the form of benefits checks, also called temporary total disability or TTD. TTD checks should come on a regular basis, with the first one ideally arriving within two weeks of the approval of workers comp. In addition, sometimes an injured employee can perform light-duty work. If that position pays less than the regular position, then an employee can get benefits in the amount of 2/3 of the difference. Whether an injured worker can do light-duty work depends on his or her work restrictions after the injury.

Permanent partial disability (PPD) payments are another type of workers comp benefit. In contrast to TPD, PPD payments are awarded to a worker who has either permanently lost the partial use of the body as a whole; permanently lost partial or complete use of a part of the body; or permanently lost part of the body, partially or completely, as a result of the workplace accident. Compensation for PPD differs from one case to another and may involve lump sum payments for a schedule injury, wage differential, or disfigurement benefits. In addition, sometimes, PPD can be awarded for injuries as simple as a muscle strain.

Lastly, permanent total disability (PTD) is the most serious category of workers compensation injuries, and benefits for this type are paid to a worker who, for all practical purposes, will never be able to work again because of the injuries suffered from a workplace accident. PTD can also refer to a worker who has suffered a “specific" total permanent disability in that the worker has suffered a “specific case of loss" or a “permanent and complete loss of use" of both hands, feet, arms, eyes, legs, or any two of these body parts. Although the injured worker may receive weekly payments based on 2/3 of an average weekly wage, these cases are usually settled for a lump sum payment.

Workers Comp Experts at Your Service

When you workers comp experts for advice on what to do after a workplace injury, then you can turn to Harvey & Stuckel for useful legal advice. As mentioned, we have helped numerous injured workers receive the benefits that they deserve after a workplace accident, and we would like to help you with your recovery. With Harvey & Stuckel, workers compensation claims are easily processed, as we have the experience and expertise to know what works and what doesn't. Trust the lawyers at Harvey & Stuckel today for quality legal services pertaining to workers' compensation.

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Workers Compensation Professionals - Harvey & Stuckel

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