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Illinois Workers' Compensation

Home / Illinois Workers’ Compensation

Who Must Carry Coverage

  • Almost all employers in Illinois are required to carry workers’ compensation insurance, regardless of the number of employees.

No-Fault System

  • Illinois workers’ compensation is a no-fault system, meaning injured employees may receive benefits regardless of who caused the injury.

Reporting an Injury & Time Limits

  • A work-related injury must be reported to the employer as soon as possible. Timely reporting is strongly recommended.
  • The general statute of limitations to file a formal claim is three years from the date of injury, or two years from the last payment of compensation, whichever is later.

Income & Medical Benefits

  • Payment for necessary medical treatment.
  • Temporary total disability (TTD) benefits at 66 2/3% of the average weekly wage.
  • Compensation for permanent partial or total disability, if applicable.
  • Vocational rehabilitation benefits may be available.

Protection From Retaliation

  • An injured employee cannot be terminated or otherwise discriminated against for filing a workers’ compensation claim.

Choice of Treating Physician

  • In Illinois, employees have the right to choose their own treating physician.
  • Employees are entitled to choose up to two treating physicians (plus referrals) without employer or insurance carrier approval.

Independent Medical Examination (IME)

  • The employer or insurance carrier may request an IME to evaluate the employee’s condition.
  • An employee may also seek a second opinion from a physician of their choosing.
  • Contact Doctors’ Council if you would like assistance with requesting an IME or changing doctors.