Many treatments for work-related injuries are fairly typical. Medication, therapy, surgery, etc. are commonly recommended in various situations, and generally covered under workers’ compensation insurance in Illinois. But sometimes, an injured worker’s needs are more unique, requiring a more creative approach to the medical plan. In those cases, you may have some trouble convincing the insurance company to cover your treatment.
But that should not stop you from pursuing workers’ compensation coverage. If your doctor recommends physical therapy to relieve pain or help mobility, you should be covered. Likewise, if you doctor recommends adaptive equipment to help you gain mobility, that should be covered as well.
The relevant questions for your being entitled to benefits for medical treatments are whether the treatment is reasonable, and whether it is necessary to help you fix or manage the effects of your injury. A recommendation from your physician about the importance and positive effects of the treatment, should go a long way to winning your case for workers’ compensation benefits.
One example of a more unique approach to a treatment plan involved the use of computer equipment. In this case in Illinois, a truck driver was in a serious accident while operating his vehicle for work. The accident left him without the functional use of his arms or legs.
A home computer system was strongly recommended for him by his physician. This system helped him to control aspects of his environment, such as the bedroom lighting, and also allowed him to communicate with family and friends. Though the physicians saw the computer system as therapeutic, the insurance company saw it as just a way to have personal communication, not job-related, and that it should not be covered.
Here is where being able to make your case and support it can really help. His primary physician testified about how critical the computer device was to the workers’ total health and well-being, including his mental state. It was agreed, and later confirmed by the Illinois courts, that this equipment could provide some independence, which could help to give back a bit of what the accident had taken away. And this provided a great therapeutic benefit.
There are other kinds of medical treatments that can make a significant difference in dealing with an injury. Some are more creative, and not as familiar to the insurance company, but well supported by physicians. You shouldn’t necessarily take “no” for an answer when you are trying to have these treatments paid for.
