There are laws on the books in virtually every state including Illinois that require almost every employer to purchase workers’ compensation insurance. One of the main reasons that they’re required to have such coverage is to cover you if you become injured on the job. You, as an employee, have several obligations that you must meet if you want to be successful in getting your employer to cover your medical costs and lost wages.
First, you must be able to prove that your injury is indeed work-related. What you may not realize is that your workplace accident doesn’t only have to occur while you’re performing your regular duties while at your desk, using a piece of machinery in a factory or wherever else you tend to work.
Any injury that occurs while you’re working for your employer or doing something on their behalf may be a covered event. This means that you may be able to file a claim to recover your medical costs and related lost wages if you’re a delivery person who gets hurt while dropping off something at a customer’s place of business. You may also file a claim if you’re injured while attending a training, a social event or virtually anything else that your employer required you to be at.
Workers must generally be classified as actual “employees” to be eligible for compensated medical care or reimbursement of their lost wages. This means that independent contractors generally don’t qualify for such benefits.
Some jurisdictions don’t allow workers who are employed in certain sectors to receive workers’ compensation benefits either. In many cases, seasonal, agricultural and domestic workers are prohibited from receiving paid medical care or lost wages. Undocumented individuals may not be allowed to receive these benefits either.
Making sense of workers’ compensation laws isn’t easy. It’s often complicated by the fact that there are so many technicalities or exceptions to the rules that exist. A workers’ compensation and FELA attorney here in Edwardsville can review the details of your case and advise you of your right to receive these benefits in Illinois.