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Workers’ Compensation is an insurance program that financially protects workers when they are injured or killed while performing their work. The insurance premiums are paid for, by law, entirely by employers. The legislation by U.S. states to create workers’ compensation insurance programs was not enacted very long ago. Illinois was the second state in the […]

Injured workers are sometimes confused about their legal rights, and how to obtain the benefits that they deserve. If you are injured at work, you should make sure to:

Illinois employers have a number of obligations with respect to workers’ compensation benefits. Most notably, Illinois law requires that employers obtain workers’ compensation insurance for their employees. While most employers purchase workers’ compensation coverage from an insurance company, some employers obtain the state’s approval to self-insure.

Workers’ compensation benefits are generally available for injuries that arise out of the course of employment. While employers have an obligation to secure workers’ compensation insurance and provide benefits regardless of who was at fault for the work-related injury, in some cases, an employer or its insurance company will wrongfully deny, delay, or reduce the amount of a workers’ compensation claim.

A medical exam by a qualified medical professional is part of any workers’ compensation claim. Employers often request that injured workers submit to an independent medical examination with a doctor chosen by the employer or its insurance company. Illinois workers’ compensation laws allow employers to set up an independent medical exam provided that the injured […]