If an injured worker cannot return to work after a work injury, he or she may be entitled to a loss of occupation award due to an inability of the injured worker to return to his or her usual and customary line of employment. Alternatively, the injured worker may be...
Permanent partial disability awards and/or settlements are determined by a mathematical formula using 60% of the injured employee’s average weekly wage, commonly referred to as the PPD factor. A percentage of permanent partial disability for the affected body part is then calculated by an assigned number of weeks under the...
The role of the workers’ compensation adjuster is to “adjust” the worker’s injury claim that occurred in the workplace. The adjuster is analogous to a quarterback for a football team. An adjuster will make day to day decisions on what benefits will be paid to the injured worker within a...
A workers’ compensation injury can affect future employment if the injury itself causes an inability of the injured worker to perform his usual and customary job activities in his or her chosen profession. An injured worker, who has obtained permanent work restrictions may be disabled from returning to their prior...
An injured worker does not have to talk to an adjuster. In fact, it is advisable that no statements be given to an adjuster about the facts and circumstances of a work-related injury or the ongoing medical care or needs of the injured workers. Oftentimes, insurance adjusters will take statements...
You can speak with a workers’ compensation adjuster by contacting the workers’ compensation department of the insurance carrier and request to speak to the assigned adjuster. Typically, a workers’ compensation claim will be assigned a claim number and the assigned adjuster can be identified by using the claim number. It...
A workers’ compensation insurance carrier can cut off or deny temporary total disability benefits for multiple reasons. One reason could be a failure to adequately document reasonable and necessary medical care. Another reason could be a workers’ compensation insurance investigation concludes that an accident or incident is not work-related. The...
Insurance carriers oftentimes utilize the law to require medical examinations be performed on injured workers. Insurance carriers are very experienced in defending or minimizing workers’ compensation injuries. One tool that insurance carriers use is to send injured workers to medical providers who they feel will give biased medical opinions which...
Whether or not to settle a workers’ compensation case varies from accident to accident or case to case. Settlement oftentimes is determined on whether or not future medical treatment is needed or required. Future medical treatment can be future prescription medications, future surgeries, or other necessary medical care. Obtaining an...
The highest workers’ compensation settlement is a permanent and total disability award under the Illinois Workers’ Compensation Act. A total permanent disability award requires the employer or the employer’s insurance carrier to pay to the injured worker lifetime medical benefits and lifetime weekly permanent total disability checks for the reminder...
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