IL Workers Comp Information
Find the latest news and information about Illinois workers compensation insurance.
In 2011, Illinois embarked on legislative changes and reform demanded by employer and business interest groups. The key provision of the plan limited access to doctors who were not participating in a new approved medical fee plan. The result was less cost associated with medical treatment.
Currently the cost of medical treatment has reduced significantly (approximately 30%) and the frequency of claims is down nearly 40%. This information is proof that Illinois Reform is working. More insurance companies are moving back in to the state as a viable option for coverage.
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About Workers Compensation in Illinois
Illinois Workers Compensation Commission
The Illinois Workers’ Compensation Commission is the State agency that administers the judicial process that resolves disputed workers’ compensation claims between employees and employers. The Commission acts as an administrative court system for these claims. As the administrative court system, the Commission must be impartial. Commission staff help explain procedures and basic provisions of the law to members of the public, but cannot provide legal advice or act as an advocate for either the employee or employer.
Legal Requirements for IL Employers
Employers are required to:
Employers are prohibited from:
Illinois Penalties for Non-Compliance
There are various provisions in the Workers’ Compensation Act that address this issue.
Negligent failure to provide workers’ compensation insurance coverage is punishable by a Class A misdemeanor for each day without coverage (maximum 12 months imprisonment, $2,500 fine).
Knowing failure to provide workers’ compensation insurance coverage is punishable by a Class 4 felony for each day without coverage (maximum 1-3 years imprisonment, $25,000 fine).
An uninsured employer may also be subject to a civil penalty of $500 for every day it lacked insurance, with a minimum $10,000 fine.
Employers without workers’ compensation insurance may be subject to a citation issued by the Insurance Compliance Division. The citation fine may range from $500 to $2,500.
An uninsured employer loses the protections of the Workers’ Compensation Act for the period of noncompliance. That means an employee who was injured during the period of noncompliance may choose to sue in civil court.
In addition, if the Commission finds that an employer knowingly failed to provide insurance coverage, it may issue a stop-work order and shut the company down until it obtains insurance.
Qualifying for Workers Comp Benefits
In order for an Illinois employee to qualify for workers comp benefits, they must prove each item below:
When an employee prevails on these issues, he or she will generally qualify for some workers comp benefits, but there may be other issues in dispute. For example, the parties may disagree over the extent of the employee’s disability, or the employee’s average weekly wage, or whether the medical treatments and bills were reasonable and necessary.
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We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.
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Workers Compensation Help?
- What is Workers Compensation?
- The Basics of Workers Comp
- Workers Compensation Q and A?
- Insurance Laws for Work Comp
- Managing Policy Claims
- Getting Work Comp Benefits
- NCCI Classification Codes
- Experience Modifiers and Ratings
- State Fund Coverage
- Workers Compensation Forms
- Handling Workers Comp Audits
- Understanding an Employer Liability Policy
- Excluding Owners and Officers
- Other States Coverage
Illinois Work Comp Information
Workers' compensation is a no-fault system of benefits paid by IL employers to workers who experience work-related injuries or diseases.
The Illinois Workers' Compensation Commission (IWCC) resolves disputes between employees and employers regarding work-related injuries and claims. A case is first tried by an arbitrator, whose decision may be reviewed by a panel of three commissioners. Cases may then be appealed to the circuit court, Appellate Court, and Illinois Supreme Court. Like most court systems, the vast majority of disputes are resolved by settlement.
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