Workers’ Compensation Insurance in Worth, IL
Maintaining a safe and healthy work environment fulfills legal requirements and reflects sound business ethics. To handle workplace risks responsibly, both employers and employees must understand how workers’ compensation functions.
What Is Covered by Workers’ Compensation?
Workers’ compensation insurance typically offers the following benefits: 
- Medical expenses—Workers’ compensation insurance can help pay for necessary medical treatment related to a workplace injury or illness.
- Disability benefits—Workers’ compensation insurance can offer partial wage replacement if the employee is unable to work due to their condition.
- Rehabilitation services—Workers’ compensation insurance can offer financial support for physical therapy or job retraining to help the employee return to work.
- Death benefits—Workers’ compensation insurance can assist the family of an employee who dies as a result of a work-related incident.
How Workers’ Compensation Works
An employee’s job-related injury or illness typically triggers the start of a workers’ compensation claim. The initial step is to get prompt medical care, which is essential both for treatment and for documenting the injury through medical records. The employee must then notify their employer, preferably in writing, within a specific time frame, which varies by state. Once notified, the employer is responsible for providing the appropriate claim forms and reporting the injury to their workers’ compensation insurance carrier. The employee completes the claim form detailing the nature and circumstances of the injury. After submission, the insurer investigates the claim, which may include reviewing medical records and speaking with involved parties. If approved, the employee begins receiving benefits such as medical coverage and wage replacement.
Learn More
For workers’ compensation insurance near you, contact Harlem Insurance Agency.