An injured worker should not have to navigate a complicated system to receive workers’ compensation benefits.
The Illinois workers’ compensation system should be a fairly straightforward system that provides benefits to workers who are injured or become sick as a result of their employment. However, some workers find themselves working through a complicated maze to receive their rightful benefits. This leads many to wonder, who’s interests are these insurance companies looking out for?
How Workers’ Compensation Insurance Works
The insurance company receives a premium payment from an employer for insuring their workers. The company then adjusts the compensation claims when a worker is injured. It is important to understand that the insurance company is running a business and is typically obligated to return profits to the stakeholders. Because of this, an insurance company may try to reduce the amount of compensation by using various tactics.
The insurance company will often require an injured worker to use the company’s selected health clinic. The doctors at such clinics may understate the nature of the injury and ask the worker to report back to work in full or restricted duty. The doctor may fail to perform a complete diagnosis, such as failing to request an X-ray or MRI, and may not recommend the worker to a specialist. They may simply prescribe medication and physical therapy and ask the worker to return to the clinic after a few weeks. (Read more from the US Department of Labor)
Requests from Insurance Adjusters
The injured worker may also receive a call from the insurance adjuster seeking a recorded statement. This tactic is employed to look for defenses to the claim and to know about any past injuries that the worker may have suffered to the same body part. Injured workers are advised not to give any recorded statement to the insurance adjuster or any other investigator. Adjusters may also forward a HIPAA authorization, seeking medical records from birth up to the present. Such requests from adjusters shouldn’t be signed without consulting with a Chicago workers’ compensation attorney.
The adjuster may assign a nurse case manager. The nurse is generally a conduit between the doctor, the injured worker, and the insurance claim adjuster. The Supreme Court of Illinois has deemed these nurses as the cost containment measure employed by the insurance companies. You may seek legal counsel from a Chicago workers’ injury attorney on the issue.
Free Workers Comp Consultations
Many injured workers try to process their compensation claim on their own. If your claim is denied, it is essential to contact an experienced Chicago workers’ compensation attorney from The Willens Law Offices to help you with your case. You may also be able to access better healthcare at other hospitals and clinics with the help of right legal counsel.
Call The Willens Law Offices at (312) 957-4166. We can help you get proper medical care and ensure that your rights are protected.