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What benefits can you get from Illinois workers' compensation?

Getting injured at work can be a terrifying experience. It can leave you in serious pain and without a source of income until you heal. Similarly, developing a work-related illness can also leave you unable to work while you steadily accumulate medical bills related to your treatment and recovery.

That's exactly why workers' compensation exists in the first place. No employee should have to live in poverty or to go without adequate medical care for a condition or injury that directly resulted from employment. Workers' compensation ensures that those who work for a living don't have to worry about losing everything if they get hurt or sickened at work.

Workers' compensation covers related medical expenses

So long as there is a provable relationship between your condition and your work, whether it's the result of repetitive stress causing an injury or an accident involving machinery, workers' compensation should cover your medical costs. Unlike standard health insurance, workers' compensation medical coverage does not have a deductible, co-insurance or co-payment you will have to pay to get treatment.

Depending on the extent and nature of your injury or illness, workers' compensation could cover trauma care, hospitalization, surgery, medication, physical and occupational therapy or other treatments. The additional protection of full coverage can reduce financial losses associated with a workplace injury. High deductibles and co-insurance rates could make necessary treatment impossible to afford without steady income.

Disabled workers can receive wage replacement benefits

For those who become temporarily or permanently unable to work or disabled as a result of work illness or injury, workers' compensation covers lost wages as well. Workers receive benefits based on their average weekly wage and the size of their family. Benefits are currently capped at $1440.60 per week, although that figure gets adjusted every six months based on the state average wage.

In cases where surviving dependents, including children and spouses, file a claim after a workplace-related death, they could receive death benefits for up to 25 years or until they receive $500,000, whichever is greater.

Job training or help with accommodations to return to work

In some situations where a disability will permanently preclude a worker from returning to the same position or career, other benefits may help. For those who may regain the ability to perform certain functions, physical therapy or rehabilitation benefits could prove invaluable.

For those who need medical equipment or accommodations to return to work, workers' compensation may cover the cost of the medical devices that allow the worker to return to one’s job. It's important to explore all of the forms of coverage available after a work-related illness or injury to ensure you can support yourself or your family in the future.

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