Make Sure You Receive the Workers’ Compensation Insurance You Deserve

Posted: January 6th, 2017 | Author: | Filed under: Workers Comp Benefits | Tags: , , , , , , | Comments Off

Illinois workers comp attorney, Illinois workers compensation lawyerIt is important to remember what medical benefits you are entitled to if you suffer from a work-related injury. There are many different types of workers’ compensation benefits that you may possibly be eligible for and are intended to compensate you for the medical expenses that you receive as a result of an injury, illness, temporary total disability, or permanent disability. However, in same instances, insurance companies interest is in making their own profits for their company and not in paying out claims. There are proactive steps you can take in order to ensure you will get the care that you should earn.

Hire an experienced workers’ compensation attorney that can protect your rights and ensure you receive the benefits to which you are entitled to.

Not only is it essential to get the benefits but it you should also have the appropriate amount of recovery time if it is needed.

Be aware so that you are not taken advantage of if you are ever injured on the job.

You never know what could happen or when you could possibly get hurt at work. Know what steps to take if and when that time comes. After you file a workers’ compensation claim, the insurance company will explain to you the procedures you must take next. No matter how severe the outcome of your injury might be, it would be beneficial to always hire an attorney as the next step after filing a claim.

There are a number of ways that an insurance company may try to justify denying your claim so that you will potentially have to pay more money. They may claim that your injury technically occurred outside of work or fail to pay you the proper amount for disability benefits. Remember that every claim is different and one key way to ensure that your workers’ comp rights are protected is by hiring an attorney.

Hire the right attorney to assist you.

The lawyers at the Law Offices of Francis J. Discipio are committed to protecting you and your best interests by getting you the benefits you deserve. We serve the greater Chicagoland area and Cook and DuPage counties. If you or someone you know has been injured on the job and is receiving workers’ comp but needs helps better understanding what they are entitled to in regards to medical benefits, please contact the experienced Chicago workers’ compensation attorneys at the Law Offices of Francis J. Discipio. Call 630-574-2288 or visit our website at for more information.

Source:

http://www.iii.org/publications/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/workers-compensation-insurance


Workers’ Comp for Repetitive Stress Injuries

Posted: December 23rd, 2016 | Author: | Filed under: stress injury | Tags: , , , , , | Comments Off

Illinois workers comp lawyer, Illinois workers compensation attorneyUnder Illinois law, employees can receive worker’s comp  for a number of reasons if injured at work. One of those reasons being if they have developed a work-related injury due to repetitive stress while performing occupational duties. Some examples of stress-related work injuries include lifting heavy material, bending over to lift items, carrying too much or heavy items, typing for long periods of time, and even using power tools. All of these duties may lead to serious injuries if done frequently at work.

Sometimes stress-related injuries can be difficult to prove when presented in court or when speaking to an employer because an employee may say that the pain is due to a natural development. However, that does not limit them from being entitled to workers’ compensation. Stress-related claims may have a higher standard of proof due to the nature of the claim being sometimes more psychological than it is physical.

Workers’ compensation covers repetitive strain injuries which some people may not be aware is a job-related injury because it is not as obvious as any physical damage and is caused by direct trauma, in Illinois. It is also important to keep in mind that workers comp can be used if an employee has a pre-existing injury that has been aggravated by the repeated depends on the employee’s daily work tasks as well.

There are different levels of stress that one can suffer from because it is a natural reaction that someone can experience from being in situations that cause heightened levels of anxiety. Being stressed or a certain length of time can eventually lead to emotional breakdowns. Sometimes stress can result in permanent brain damage as well which also might be categorized under the workers comp laws in Illinois.

Speak with a lawyer who understands Illinois workers’ compensation law.

If an employee has suffered from the following as a result of a stress-related injury, it would be beneficial to seek legal help promptly:

  • De Quervain’s syndrome
  • Low back and neck injuries
  • Cubital tunnel
  • Carpal tunnel syndrome
  • Tendonitis
  • Tenosynovitis

If you have been injured at work due to a stress-related incident and have questions or concerns regarding your workers’ compensation rights do not worry because you do not have to go through this difficult time on your own. Contact the experienced Chicago workers’ compensation attorneys at the Law Offices of Francis J. Discipio today and call 630-574-2288 to obtain the full extent of benefits you deserve.

 

Source:

http://www.americanbar.org/publications/gpsolo_ereport/2013/july_2013/stressed_at_work_might_have_workers_compensation_claim.html


Illinois Workers’ Compensation Cost Higher Than Other Midwest States

Posted: December 9th, 2016 | Author: | Filed under: Workers Compensation Insurance | Tags: , , , , | Comments Off

Illinois workers comp attorney, Illinois injured worker laws, There have been concerns that many government officials have expressed regarding the current condition of the workers’ compensation system in Illinois. Lawmakers throughout the state, including Governor Bruce Rauner, are concerned that the existing system may allow workers who were not truly injured in the scope of their employment to collect benefits, placing a significant financial strain on the program.

As it turns out, those with concerns about the workers’ compensation system may have valid points, at least according to the newest edition of a biennial report. The Oregon Workers’ Compensation Premium Rate Ranking study has determined that, for the seventh consecutive year, Illinois ranks highest in workers’ compensation insurance rates among Midwestern states.

Looking Closely at the Numbers

Every other year, the Oregon Department of Consumer and Business Services conducts a review of workers’ compensation programs and related costs in each of the 50 plus the District of Columbia. Since 2010, Illinois has ranked above the rest of the Midwest for premium costs per dollar of payroll. For 2016, employers in Illinois spend $2.23 on workers’ compensation insurance for every $100 spent on payroll. By comparison, in neighboring Wisconsin, companies spend $2.06 per $100 in payroll, and in Missouri, employers spend $1.92 per $100 in payroll.

It would seem, perhaps, that high insurance premiums are just part of the equation for states in the Midwest. But, how can we explain the drastic difference between workers’ compensation rates in Illinois and those in Indiana, which are only $1.05 per $100 in payroll? It is hard to believe that jobs in Indiana are 112 percent safer than those in Illinois.

Lowering Costs

The numbers reported by the study present an interesting situation. Over the last decade or so, workplace injury reports have dropped by nearly a third, corresponding to an overall decrease in construction and manufacturing jobs — occupations that are at relatively high risk for on-the-job injuries. Yet, the average premiums for workers’ compensation insurance remain extremely high by local comparison.

Legislative measures were enacted in 2011 in the hopes of controlling some of the costs, but they, apparently, did not do enough. If the high premium rate continues, along with the comparatively high corporate tax rate and other regulatory costs in Illinois, companies may be inclined to look at other states as more business-friendly.

Have You Been Injured?

If you have been hurt on the job, you need to know your options for collecting workers’ compensation benefits. Contact an experienced Chicago workers’ compensation attorney to discuss your case today. Call 630-574-2288 for a free, no-obligation consultation.

 

Sources:

https://www.illinoispolicy.org/reports/illinois-remains-most-expensive-state-in-midwest-for-workers-compensation/

http://www.cbs.state.or.us/external/dir/wc_cost/files/report_summary.pdf