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Posts Tagged ‘workers’ compensation’

Don’t wait on hiring an injury attorney

Friday, April 29th, 2011

If you wait to hire an attorney for your injury case, it’s a big risk without any gain. You aren’t saving any money in fees, because most injury attorneys don’t charge hourly fees. They charge a percentage of what you win (called a contingency fee) at the end, so it doesn’t matter when they were hired in the process. And if you wait, you may inadvertently hurt your case in a number of ways.

Having an attorney from the beginning has many benefits, and few drawbacks, especially on a contingency fee case. An attorney will help you preserve evidence, deal with the insurance company or other party so you don’t have to, make sure you don’t accidentally give the other side anything to help their case against you, and most importantly, prevent you from getting taken advantage of. Insurance companies love people who try to represent themselves. It’s easy money for them because they know they can settle for less, or nothing at all, because you don’t have the experience to know what your case is worth.

I know this sounds like a lecture, but I get calls all the time from people who were taking a “wait and see” approach to hiring an attorney for their case. And it frustrates me that they assumed they were doing themselves a favor by waiting, especially since there’s not much to lose by hiring an attorney right away.

This rule of thumb is especially true in workers’ compensation cases. Attorneys don’t take a fee on getting you set up with routine benefits (lost wages, medical coverage, etc.). So you should almost always use one. If you don’t, you may be missing out on the full amount you’re owed or other benefits you’re not aware of (insurance adjusters aren’t going to help you out on this, believe me).

Ok, end of lecture. We try to be honest about the pros and cons of hiring an attorney, and upfront about whether you need one at all. If your case is one that an attorney should handle, don’t wait and see how it goes before finding someone to help you.

Pre-existing conditions and Illinois workers’ compensation

Thursday, December 9th, 2010

Workers’ compensation benefits in Illinois are available to employees who suffer an accident or injury on and because of their job.  This system allows employees to collect money to pay for their  medical expenses, in a simpler and more streamlined process, than non-work injuries.  When an employee is seeking to collect workers’ compensation benefits and has a pre-existing medical condition, the work nexus can be more difficult to prove.  But the pre-existing condition should not prevent workers’ compensation recovery. 

For any employee to be entitled to Illinois workers’ compensation benefits, there must be proof that the accident, injury, or illness arose out of the employment.  This causal connection between the medical condition and the employment condition is a critical element in any case.  The symptoms the employee is experiencing have to come from some event that occurred, or element of the regular performance of the job duties that wore down or injured part of the body. 

Where there is a pre-existing condition, it is like having an extra step to prove.  The employee needs to show that the work-related accident or injury made the condition worse.  There has to be a distinction made between the medical condition’s ordinary course of deterioration, and the worsening that actually occurred because of the employment. 

While the employment does not need to be the sole or even the primary cause of the employee’s medical problem, it has to have affected the condition in a way that would not have happened without the employment issue. 

One of the most common types of pre-existing condition issues involves back injuries.  If you injure your back while performing lifting duties for your job, clearly it would seem that this injury arose from your work.  But if you already had a bad back from prior back strains on your last job five years ago, will workers’ compensation cover you on this job?  It should, if you can show that your back pain was not just the ordinary course of deterioration of a bad back.  Rather you should show that you job performance was the cause of this new phase of your back problems. 

Illinois workers’ compensation benefits are designed to protect all types of employees—old and young, weak and strong, diseased and healthy.  So if an employee has a pre-existing condition that is aggravated or accelerated by a work injury, then workers’ compensation benefits should be available.

You can file for workers’ comp in Illinois even if you were only hired here

Monday, August 30th, 2010

Let’s say your employer is based in State A, you were hired in State B, and you suffered a work injury in State C. You’re probably confused about where to file a workers’ compensation claim.

Our advice: file in Illinois if you can.

Illinois has worker-friendly laws when it comes to workers’ compensation. And you can generally file your claim here even if you haven’t been to Illinois in years. If your only connection to Illinois is that you were hired here when you first joined the company, even if it was 15 years ago, you can file your workers’ compensation claim here.

If you weren’t aware of this rule, and you filed a claim in another state, it may not be too late. If Illinois law entitles you to more benefits than you got in the other state, you can file here as well. Even if you closed your case in that other state, and even if you signed something saying that you couldn’t seek additional benefits, you can still file here. Only the Illinois Workers’ Compensation Commission can close out your Illinois work injury claim.

Since 2001, findgreatlawyers.com has been the leading resource for Illinois attorney referrals and legal guidance. If you would like our help please contact one of our lawyers via our on-line form or call (800) 517-1614. We are based in Chicago, but help people find attorneys for legal matters throughout Illinois.  All inquiries are free and confidential.

Overview of workers’ compensation benefits in Illinois

Friday, July 9th, 2010

Here’s an overview of what you can expect to receive in terms of benefits if you’re hurt on the job in Illinois. All work injuries are usually covered, and workers’ compensation is your only option – you generally cannot sue your employer for a work injury.

Medical bills

In Illinois, workers injured on the job are entitled to 100% of their medical expenses. This includes immediate treatment and ongoing medical care, as well as prescriptions, physical therapy and surgery in many cases. The basic rule is that the treatment has to be necessary and related to your injury in order to be covered.

Lost wages

If you are unable to work because of your injury, or if your doctor restricts your activities and your employer can’t accommodate you, you’ll get paid for part of your lost income. This is called Temporary Total Disability, or TTD. You will receive 2/3 of your average weekly wage over the last 52 weeks. There is no time limit on how long you can receive TTD payments. They end when you can go back to work, or when your employer can accommodate any restrictions.

Permanent disability

Permanent Partial Disability, or PPD, is for permanent injuries. The amount depends on the type of injury you have and how it affects your life now and in the future. If you can’t work, or can only work at a job that pays less, you may be compensated for part of the difference. The PPD amount is negotiated by lawyers and can be different in every case.

Employer penalties

If an employer wrongfully denies you benefits, they may have to pay you a penalty. Other than this, there are no punitive damages or “pain and suffering” damages in workers’ compensation cases in Illinois.

Suing a third party for your injury

Although you can’t sue your employer for a work injury, you may be able to sue a third party who was at fault. For example, if you’re installing cable for a customer in a high-rise building, and the elevator malfunctions and you get hurt, you could file a personal injury lawsuit against the building owner. You could still pursue workers’ compensation as well.

Since 2001, findgreatlawyers.com has been the leading resource for Illinois attorney referrals and legal guidance. If you would like our help please contact one of our lawyers via our on-line form or call (800) 517-1614. We are based in Chicago, but help people find attorneys for legal matters throughout Illinois.  All inquiries are free and confidential.

Why should I sue? The lawyer is going to get it all anyway.

Monday, April 12th, 2010

This question was posed to us by a caller recently.  Looking at the question closely shows a few myths in Illinois.

Myth #1, lawyers make a ton of money.  Sure there are plenty of attorneys that make a ridiculous amount of money, but most don’t do any better than any other area of work.  Plenty of attorneys live pay-check to pay-check.  Many more hate what they are doing and don’t even practice law.

Myth #2, attorneys are the only ones that make money in lawsuits.  This is only true when you lose a case where you were paying a lawyer by the hour.  If the case has any real value, the client will almost always do great.  Sometimes you dont’ get as much as you want, but we almost never see someone who did better without an attorney than they would have with one.

Myth #3, you need to sue.  Sometimes you don’t have a legitimate lawsuit.  Sometimes the case can be settled without suing.  Sometimes it’s now a lawsuit at all, but a claim for benefits (workers’ compensation, social security).   We and every attorney we know discourages suing unless it’s a last resort.

Myth #4, it’s scary to go to an attorney.  When some people say they don’t want to sue it sometimes means they are intimidated by lawyers or the legal system.    If you know a lawyer or have been to court that may sound silly, but it happens all of the time.  In fact it’s one reason why we created findgreatlawyers.com, to give people a free, approachable way to discuss their legal problems.  You shouldn’t sue if it’s not worth it, if no one thinks you will win or if it’s out of spite.  But don’t let the system prevent you from checking out your options.

Myth #5, it’s going to take forever.  Yes the legal system doesn’t move as fast as most people would like, but it does move.   In the bigger picture, if you wake up years from now and tell yourself that now is the time to investigate that years old claim it will probably be too late.

Our overall advice is to educate yourself about the process and speak with a qualified attorney to learn your options so you can make an educated decision about what to do or not do.

Since 2001, findgreatlawyers.com has been the leading resource for Illinois attorney referrals and legal guidance. If you would like our help please contact one of our lawyers via our on-line form or call (800) 517-1614. We are based in Chicago, but help people find attorneys for legal matters throughout Illinois.  All inquiries are free and confidential.

New law alert!- You can now work naked, drunk or not at all and get paid for it

Monday, January 25th, 2010

On Friday the Illinois Supreme Court made a much anticipated (at least to work comp lawyer) decision about whether or not an employee can received workers’ compensation benefits if they are “fired for cause.”

In Illinois workers’ compensation cases, it’s common for an injured worker to still receive medical care, but be released back to light duty work.  For example, a laborer hurts his back and has surgery.  While still receiving treatment by his doctor he is returned to work with restrictions of no lifting more than 20 pounds.  If the employer has that work available the worker must do the job.  It used to be that if the employee returned to work and was fired for cause (absences, fighting, inappropriate behavior, etc.) then the insurance company did not have to pay lost time benefits – known as TTD, 2/3 of your normal wage tax free.

The Supreme Court rejected this rule and now the law is that if you have restrictions and are not at “maximum medical improvement” then if you get fired for cause it doesn’t matter, you still get paid until your condition stabilizes.

And while we don’t recommend it, this means that a worker could purposely do a bad job, spit on their boss, show up to work drunk or naked or do anything else that everyone agrees is grounds for being fired and that person could go home and collect a check.

In general we think the Illinois workers’ compensation laws are excellent and fair for both workers and employers.  But we suspect that this ruling will be changed at some point by the legislature and it’s probably the right thing to do.


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