Under Illinois law, employers must provide Workers’ Compensation (WC) insurance for all their employees from the moment they start their employment. These benefits help workers receive financial assistance for their work-related injury or illness, regardless of who was at fault.
If you get into an accident while on the job, it is vital to have a clear understanding of what actions you need to do next. Here is a step-by-step guide on how to file your workers’ comp claim:
Step 1: Notify your employer
After you get injured or fall ill from a work hazard, you need to inform your supervisor or employer as soon as possible. You will have a 45-day period to report your accident, which can be done in writing or verbally.
However, if your injury was from radiological exposure, you will have a 90-day period to report your accident. It is important to remember that any delay in the notice may complicate your claim, as insurers may doubt whether your injury happened in the workplace or not.
Step 2: Seek medical care
Once you inform your employer of your accident, they will file your accident report with the Illinois Workers’ Compensation Commission (IWCC) and give you a list of approved physicians where you can get treated. Be sure to keep copies of your treatment records, medical prescriptions and receipts.
If your injury or illness causes you to miss three or more days of work, your employer must provide you with wage loss compensation. This WC coverage is also known as temporary total disability benefit.
Step 3: File your WC claim
The IWCC uses an electronic filing system called “CompFile”. Start your process by registering (new user) or signing up (recurring user). If you intend to file your case without an attorney, choose “pro se” as the user type.
After you receive an email verification for your registration, select the right form to file your WC claim. You will have a three-year statute of limitations from the date you got your injury or illness diagnosis.
What happens if I receive a denial letter?
If you receive a denial letter, do not feel discouraged. You can still appeal your case. By seeking the guidance of legal counsel, they can analyze your situation and work on a strategic approach that can strengthen your case.
Once you submit your written appeal and supporting documents, an insurance adjuster will review it and inform you of the new result.
By understanding your rights and following the right procedures, you can receive fair compensation and focus on your recovery with ease.
