Understanding how the workers’ compensation process works is the first step to knowing if your case has a chance to stand up in court or not. Here’s a handy guide to what you need to know:
Uphold and enforce the law
In most states like Illinois, employers are required by law to provide their employees with workers’ compensation insurance. So when a claim happens, insurance companies pick up the tab, covering payment costs for employee claims.
File a compensation claim
If you get involved in an accident at work, notify your employer first thing. A written notice sent through email or text is better than an oral notice. It should have the date and place of the accident too. Be sure to inform your employee within 45 days of the accident, says Disability Secrets.
File an application to adjust your claim
You’ll only need to file this with the Commission if you think your employer isn’t going to shoulder the costs, leaving you to pay for those back surgery expenses out of pocket.
Wait for your employer’s response
The reply should include a list of approved medical providers along with the information that their insurer has started the claims process. If any injuries you sustain keep you from work for more than three days, your employer must send you disability payments or explain why your claim is being denied.
Appealing a denial
If your claim is denied, you can petition for a review with the Workers’ Compensation Commission. The court will hold a hearing to determine what will happen next.
Hiring a workers’ compensation lawyer
You’ll need the best help you can get at this point. If you want to increase your chances of winning your case, hiring a workers’ compensation lawyer is a must. With a lawyer, you stand a better chance of getting the compensation you’re entitled to.
