If you have been injured on the job, the physical pain is often compounded by financial stress. Fortunately, under the Illinois Workers’ Compensation Act, you are entitled to specific benefits designed to protect your livelihood and your health.
At Morici, Longo & Associates, we specialize in ensuring injured workers receive every penny they are owed. If you’re struggling to navigate the claims process, call us today at (312) 779-0366 or reach out via our online contact form.
Understanding Your Workers’ Compensation Benefits
Illinois law provides four primary categories of benefits for employees who suffer work-related injuries or illnesses.
1. Medical Benefits: 100% Coverage for Your Recovery
The most immediate concern after an accident is getting the care you need. In Illinois, your employer (or their insurance carrier) is responsible for paying all necessary and reasonable medical expenses related to your injury. This includes:
- Emergency room visits and hospital stays.
- Surgeries and physical therapy.
- Prescription medications and medical devices.
- Diagnostic tests like MRIs or X-rays.
2. Temporary Total Disability (TTD)
If your doctor determines that you cannot work while recovering, or if your employer cannot accommodate your temporary light-duty restrictions, you are entitled to Temporary Total Disability (TTD) benefits.
How it’s calculated: TTD typically pays two-thirds ($2/3$) of your average weekly wage, providing a vital lifeline while you are off the clock. These payments continue until you are cleared to return to work or reach Maximum Medical Improvement (MMI).
3. Permanent Disability Settlements (PPD & PTD)
Once you have reached Maximum Medical Improvement—the point where your condition is as good as it’s going to get—you may be eligible for a permanent disability award.
- Permanent Partial Disability (PPD): If you have a permanent impairment but can still work in some capacity.
- Permanent Total Disability (PTD): If your injury is so severe that you can no longer work in any stable labor market.
The value of these settlements depends heavily on the severity of the injury and its impact on your future earning capacity.
4. Death Benefits for Surviving Family
In the tragic event that a workplace injury results in a fatality, the law provides support for the worker’s dependents. Surviving family members may recover:
- Burial and funeral expenses.
- Weekly survivor benefits based on the deceased worker’s earnings.
Why You Need an Experienced Illinois Workers' Comp Lawyer
Insurance companies often try to undervalue claims or rush you back to work before you are ready. Morici, Longo & Associates stands by the side of every worker to ensure they aren't bullied by adjusters. We handle the paperwork and the litigation so you can focus on healing.
Don’t leave your financial future to chance. Contact our team right away at (312) 779-0366 or fill out our online form.