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Archive for the ‘workers’ comp benefits’ tag

Illinois’ Workers’ Compensation Reform

February 17th, 2017 at 8:49 pm

Illinois workers compensation attorney, Illinois workers comp lawyer, Illinois’ economy has been a hot topic since Governor Rauner came into office. Numerous reforms, including reform to the workers’ compensation program, have been considered and discussed. This year, the ball could start rolling on such reforms. What might this mean for your claim, and how you can protect yourself throughout the process? The following explains further.

Governor Rauner Targets Workers’ Compensation

In an op-ed piece published by Crain’s Chicago Business, Rauner stated that reform to the workers’ compensation program is a top priority for 2017. He claimed that many employers are concerned about the “uncompetitive” system in Illinois. He also stated that reform could bring savings to employers, and that might mean more jobs. Unfortunately, this may not be entirely accurate.

A Flawed Perspective

From a distance, it might appear that workers’ compensation reform is a good thing – especially if it brings in more jobs. Closer examination reveals that unemployment is not as big of an issue as some might lead you to believe. The state’s unemployment rate is only slightly higher than the national average (4.7 percent in the U.S. compared to 5.7 percent in Illinois). Further, Illinois’ unemployment rate has been on a fairly steady decline since 2010. In short, workers’ compensation reform is likely to do little to improve an already improving economy, and stands to benefit employers – not workers.

How Reform Could Impact Your Claim

Obtaining workers’ compensation is already a complex process. It is full of delays, obstacles, and regulations that can, at any given time, leave a hardworking member of society without income. Add in the potential for uncovered medical bills, and they become at risk for complete financial devastation. Reform would only exasperate the issue. It is expected to add more rules that exclude injured employees. If implemented, reform would also result in a maximum compensation rate, reducing the payout for injured workers, and it would limit much-needed therapies.

How an Attorney Can Help

While no two cases are alike, and results are never guaranteed, those that seek assistance from an experienced lawyer tend to have more favorable outcomes than those who pursue a claim on their own. An attorney can also complete all the legal requirements, ensuring injured employees have the time and energy they need to focus on healing and getting back to work. Do not fight the system alone. Instead, contact the Chicago workers’ compensation attorneys at the Law Offices of Francis J. Discipio and get the representation you deserve. Call 630-574-2288 today.

 

Sources:

http://chicagocitywire.com/stories/511075580-workers-comp-reform-a-top-priority-for-rauner-in-2017

https://www.bls.gov/eag/eag.IL.htm

https://www.bls.gov/news.release/pdf/empsit.pdf

Make Sure You Receive the Workers’ Compensation Insurance You Deserve

January 6th, 2017 at 10:59 am

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

Illinois Workers’ Compensation Cost Higher Than Other Midwest States

December 9th, 2016 at 8:58 pm

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

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