Workers' Compensation FAQs

worker faqAt Becker, Schroader & Chapman in Granite City, Illinois, we represent clients across the nation in workers' compensation cases. Our attorneys have been helping injured workers for three decades.

Below are some answers to frequently asked questions about workers' compensation. For more information about workers' compensation and how our firm can help you obtain benefits, contact us for a free initial consultation.

What is workers' compensation?

Workers' compensation is a no-fault insurance program paid by employers that provides compensation to workers who are injured on the job or who are experiencing job-related illnesses.

Am I covered?

In Illinois, the state requires employers to provide workers' compensation insurance for their employees. Sole proprietors, business partners, corporate officers, and members of limited liability companies may be exempt. Under Section 1(b)2 of the Illinois' Workers' Compensation Act, most people who work in Illinois are covered by Illinois law. The Illinois Workers' Compensation Commission estimates that 91 percent of employees in Illinois are covered under the Act.

For other states, our knowledgeable workers' compensation lawyers can help advise you of your rights.

Who operates Illinois' workers' compensation system?

The Illinois Workers' Compensation Commission operates the state court system for workers' compensation cases.

Are all work-related injuries covered by workers' compensation?

If you were drunk or using illegal drugs at work or your injuries are self-inflicted, you might not be covered by workers' compensation. Coverage also may be denied in cases where an employee initiated a fight, committed a crime, or violated company policy.

Does workers' compensation apply to long-term health problems and illnesses?

Yes. Workers' compensation can cover repetitive stress injuries such as carpal tunnel syndrome, back injuries such as a herniated disk, and other injuries tied to overuse. You may also be entitled to compensation for illnesses and diseases that are the result of work conditions over time, including exposure to asbestos and other toxic substances.

Does it matter who caused my injury or illness?

Generally, a person with a work-related illness or injury can get workers' compensation benefits whether he/she, the employer, a co-worker, a customer, a product manufacturer, or some other third party is at fault.

Do I have to be injured in my office, factory, or on my job site to be covered by workers' compensation?

No. As long as your injury is work-related, it will be covered. If you are hurt during a business trip or in an auto accident while performing a work-related errand, you may be entitled to receive benefits.

What kind of benefits am I eligible for?

Workers' compensation benefits provide replacement income and cover medical expenses while you are unable to work. Depending on the severity of your injuries, you may be eligible for vocational rehabilitation benefits such as on-the-job training, education, or job placement services. If you are unable to work permanently after your injuries, we can help educate you about Social Security Disability benefits.

What is the first step?

In Illinois, we can help you file a claim with the Illinois Workers' Compensation Commission. Outside of Illinois, we can help you file a claim with your state's regulatory body.

If my claim is denied, can I appeal it?

Yes. We have an appellate practice dedicated to workers' compensation. We can help you pursue an appeal before the Illinois' Workers' Compensation Commissioner of your state's appeal board.

For answers to other questions about workers' compensation or your case, contact our offices in Granite City. We can help you protect your rights and avoid delays.