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Archive for the ‘workers compensation insurance’ tag

The Most Dangerous Jobs in the US

February 3rd, 2017 at 5:15 pm

Illinois workers comp lawyer, Illinois workers compensation attorney,Almost any job can result in a work injury, but some have an elevated risk. Often, this elevated risk can be seen in the potential for injury severity. For example, an office worker might be at risk for repetitive motions or slip and fall injuries, but a construction worker is more likely to be crushed by an object or to be struck by one. This means their risk of death is significantly higher than the office worker’s.

Why even examine risk, though? After all, it is not like one can simply leave their field. Yet, what you can do is be informed and educated. This can help you reduce your risk of an injury on the job, and it can ensure you know your rights, should an on-the-job death or injury happen to you or someone you love.

Examining the Most Dangerous Industries

According to data from the Bureau of Labor Statistics, senior employees are at the greatest risk of serious death or injury on the job. This is due, at least in part, to their lack of ability to heal as easily as younger workers. As such, any worker over the age of 55 should safeguard themselves against injury as much as possible. Exercise regularly, eat well, and visit your doctor for annual check-ups to ensure all is well.

Other workers who are considered to be at an especially high risk for death while working are fishers, loggers, and aircraft pilots. Specifically, loggers experienced 132 deaths per 100,000 workers. This is far greater than the average population (3.4 deaths per 100,000 workers), but the industry did not lead in the number of deaths experienced in the workplace. That sad and disappointing award when to the truck driving industry and farming industry, which say 885 and 252 deaths, respectively.

Protecting Your Right to Fair Compensation

Employers do not want you to know that you can (and should) obtain legal counsel for an on-the-job injury or wrongful death. That is because it could increase their insurance company’s payout, which could then, in return, hike their insurance rates. Do not let them keep money off of the table. Instead, contact an experienced workers’ compensation lawyer and fight for the settlement you and your loved ones deserve.

At the Law Offices of Francis J. Discipio, we understand the struggles you are facing. We know that your family may be struggling financially and that your injuries could potentially prevent you from working anytime in the near future. Fight back against deceptive employers and schedule a consultation with our experienced Chicago workers’ compensation attorneys today.

 

Source:

http://time.com/4624034/most-dangerous-jobs-2015/

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

Responsibilities of Your Employer If You Are Injured At Work

April 29th, 2014 at 3:16 pm

workers compensation, IWCC, Illinois Workers Compensation Commission, lawyer, attorneyAll employers in Illinois, according to the Illinois Department of Insurance, are required to carry worker’s compensation coverage for employees. If a person is hired as an independent contractor, employers are not required to carry worker’s compensation insurance, which has led to some changes in what can be considered a contract position and what cannot; several disputes have recently arisen regarding a person’s title versus his or her professional responsibilities. All worker’s compensation benefits are covered by licensed insurance companies and must, according to the Illinois Department of Insurance, be among those certified by the state. A list of those companies can be found here.

According to the Illinois Worker’s Compensation Commission (IWCC), if a person is injured at work there are several responsibilities that the employer must undertake by law. First, an employer must render appropriate and necessary first aid and medical services. Immediately after that, the employer must contact his worker’s compensation underwriter, even if he disagrees with the employee’s claim. If the employee was injured to the extent that he or she cannot work for at least three days, the employer has a responsibility to either:

  • Begin Temporary Total Disability (TTD) payments;
  • Provide the employee with a written explanation of what he needs to begin TTD payments; or
  • Provide the employee with a written explanation of he is denying the benefits.

Employers must maintain complete records of all worker’s compensation claims, and must submit any and all claims to the IWCC. If a workers dies while at work, the report must be submitted to the IWCC within two days of the incident. If a worker is injured but not incapacitated for more than three days, an employer is not responsible to submit a claim to the IWCC.

If you suspect that your employer has not met worker’s compensation responsibilities in Illinois, you may be eligible for a lawsuit against him. The most important first step is to contact a worker’s compensation attorney. Contact the Law Offices of Francis J. Discipio today.

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