If you have experienced a job-related injury, you may be able to receive payment for medical bills, lost income and more through your employer’s workers’ compensation policy. In Illinois, most businesses must provide this type of insurance for their employees.
However, your employer or an insurance provider may deny your claim for benefits if you do not document your injury carefully and follow through with needed medical care.
1. Report your injury early
Regardless of whether your injury required emergency treatment, it is important to notify your employer after a work-related incident. As in other states, you may need to report an injury within a limited period to remain eligible for workers’ comp benefits in Illinois.
2. Seek approved medical treatment
If your injury requires ongoing medical care, you might have to visit a physician within your employer’s Preferred Provider Program (PPP) to receive medical coverage. If your employer does not have a PPP, you may be able to visit two providers of your choice. Make sure to let your doctor and other health care staff know that your injury was job-related.
3. Follow through with physician recommendations
Following through with your providers’ recommended treatments may be important for both your recovery and your compensation claim. Make sure to keep track of all medical records related to your injury, including dates, locations and other details about tests, reports, procedures and billing.
If you have already received a denial of benefits, you could still be eligible for compensation. With better preparation and better documentation, you may be able to appeal your claim with the Illinois Workers’ Compensation Commission.