Workers’ Compensation Insurance: What It Covers in Illinois

In Illinois, workers’ compensation insurance may cover a range of benefits for employees who qualify after sustaining an injury or illness related to their job duties. These benefits are grouped into specific categories, each serving a distinct purpose:

• Medical benefits may include treatment costs associated with a covered work-related injury or illness. This may apply to doctor visits, surgical procedures, hospital care, rehabilitation and prescribed medications.

• Temporary total disability benefits may provide compensation when an employee cannot perform any work due to an approved injury. Payment amounts and timelines are based on income and medical documentation.

• Temporary partial disability benefits may support workers who can perform reduced duties or fewer hours due to a medical restriction. These payments typically reflect a partial income difference while under treatment.

• Permanent partial and permanent total disability benefits are possible in cases where an injury results in lasting impairment. Determining these benefits involves medical evaluations and assessing how the condition affects future earning ability.

• Vocational rehabilitation may be considered when an injured employee cannot return to previous work and requires new skills to pursue employment in a different field.

• Death benefits may be available to eligible dependents following a fatal workplace incident. These benefits may include burial expenses and ongoing payments to survivors.

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If you’re unsure whether your business or role is covered, or if you’d like help reviewing your existing policy, contact Express-Way Insurance & Tax Services today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.