Workers’ compensation insurance provides benefits (financial and medical) to employees who
are injured or become ill as a result of their job. Workers’ compensation is designed to
protect both employees and employers by providing a no-fault system of benefits that
helps cover the costs associated with work-related injuries and illnesses, while also
limiting the employer’s liability for lawsuits related to these incidents.
Worker’s Compensation will cover such expenses as: medical costs (associated with
treating work-related injuries or illnesses, including hospital stays, doctor visits,
medications, and rehabilitation), rehabilitation services (physical therapy or vocational
training to help injured employees return to work or adjust to new roles if they cannot
return to their previous job).
Workers’ Compensation will also compensate an employee for lost wages
(compensation for a portion of the employee’s lost income if they are unable to work due
to their injury or illness) and will provide death benefits (financial support for dependents
or family members if an employee dies as a result of a work-related incident).
Please note that in the United States, Workers’ Compensation is generally mandatory in
most of states and in the State of Illinois, Workers’ Compensation insurance is required
by law. The Illinois Workers’ Compensation Act mandates that most employers provide
workers’ compensation coverage for their employees.