How Fraudulent Workers’ Comp Claims Complicate the System

Posted: June 9th, 2017 | Author: | Filed under: Workers Compensation Insurance | Tags: , , , , , | Comments Off

Illinois injury lawyer, Illinois workers comp attorneyWhile most injured workers are honest about their injuries, there are a select few that attempt to inflate their injuries. Some will even go so far as to completely stage a situation that leads to injury. One prime example is a recent case in which a woman hit herself in the head with a sprinkler head after it hit her desk. Situations like this not only make a bad name for victims, they complicate an already complex workers’ compensation system. Learn more with help from the following.

Examining the Complexities of Workers’ Compensation

Workers who are injured on the job often assume that filing a claim will automatically lead to a payout for missed time at work. Unfortunately, this is not always the case. First, it takes time to pursue a claim. Second, if an insurance agent suspects fraud or feels that the injury is not significant enough to warrant payout, they can investigate further or deny the claim. To make matters even more frustrating, not all payouts are what victims expect.

How Fraudulent Claims Make the Situation Worse

When other workers file fraudulent claims, they slow down the process for those with legitimate injuries. They also increase suspicion for workers with valid injuries, making it more likely that they will experience investigative delays. To make matters even worse, there are fraudulent claims that make their way through the system; payout for these false claims can also place unnecessary stress on the system. This, too, can make things more difficult for the injured workers that need the compensation.

Navigating Your Own Claim

Because of the complexities of the system itself, and those that are added by fraudulent claims, it is suggested that workers seek legal assistance when filing a claim. Not only can this help decrease the processing time and increase the chances of a successful outcome, it also gives employees the time and energy they need to heal from their injuries. This time and energy could potentially increase the chances that the worker can eventually return to work.

At the Law Offices of Francis J. Discipio, we work hard to assist workers through their claims. We understand the complexities of the system and we stand by your side, every step of the way. Learn more about how our Chicago workers’ compensation lawyers can assist with your claim. Call 630-574-2288 and schedule your consultation with us today.

 

Source:

http://www.turnto23.com/entertainment/workers-comp-fraud-caught-on-camera


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


Illinois Workers’ Comp Updates

Posted: October 7th, 2016 | Author: | Filed under: Illinois Workers Compensation Attorney, Workers Compensation Insurance | Tags: , , , , , | Comments Off

Illinois workers compensation attorney, worker protection, Since the early 1990’s, there have been state-specific legislations proposed to protect the rights of workers and for the workers to be compensated for their injuries and or fatalities.

Over the years, the state of Illinois has updated and changed regulations regarding workers’ compensation. The number of dangerous jobs has lessened, which means that not as many workers are likely to get injured on the job. This year’s statistics reveal that progress is being made. Listed below are the top four Illinois workers’ comp updates of 2016.

Costs Per Claim Have Dropped

Costs have been high for a number of years. Studies show that medical and indemnity costs per claim were 39 percent higher than the mean in 17 states. However, according to Crain’s Chicago Business, more recent studies show that the percent is half of what it was, now sitting around 19 percent. In other words, a few years back Illinois costs were ranking third highest of 17 states and recently have dropped to sixth highest.

Moving in a Different Direction 

The changes that are occurring for Illinois workers’ comp are not going to happen overnight. Yes, the costs still remain above average. However, the numbers are changing and are expected to continue into 2017.

Change Is Being Talked About

There have been many people in power that have spoken in Illinois who have not forgotten about the high costs of worker’s comp. In an interview with The State-Journal Register, Illinois Manufacturing Association (IMA) President and CEO Greg Baise said changes to workers’ compensation which focus on the area of causation, as well as medical rates that are higher in Illinois than other states, still need to be made. Illinois Governor Bruce Rauner has stated in the past that he agrees that “changes in the budget regarding Illinois workers’’ comp need to be made.

The Next Steps

There are still a few months left in 2016, which means there still is time for more updates to be made for workers’ comp in Illinois. Reform has been talked about for a while now and it appears that there is a common agreement that workers and employers must reach an agreement that applies specifically to their situations.

If you have been denied or offered too little for your injuries or illness in the state of Illinois, contact a skilled Chicago workers’ compensation attorney at the Law Offices of Francis J. Discipio today at 630-574-2288.

 

Sources:

http://www.chicagobusiness.com/article/20160421/BLOGS02/160429942/illinois-makes-big-progress-cutting-workers-comp-costs-study-says

http://www.sj-r.com/news/20160927/ima-says-workers-comp-reform-broader-sales-tax-base-will-help-manufacturing-jobs