Healthcare: A dilemma for the injured and disabled

https://www.nytimes.com/2018/02/19/health/obamacare-premiums-medicaid.html?hpw&rref=health&action=click&pgtype=Homepage&module=well-region&region=bottom-well&WT.nav=bottom-well

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You must have health coverage to get the treatment needed to prove your disability for Social Security. Often you must have your own health coverage while you fight the Workers’ Compensation insurance company. It is not easy to find health coverage.

Top Tip to Help Your Injury Case?

What is the best advice I can give anyone who has been injured at work or in a motor vehicle collision?

Tell your doctor immediately how you were injured and all the body parts that were injured.

For instance, tell the doctor “I was lifting a 50 pound box of parts when I turned and twisted. I felt my back pop and there was pain right away. The pain runs down my right leg.”

Make sure you tell all your medical providers the same thing each time.

This means doctors, nurses, and physicians assistants.

An immediate, clear, consistent explanation of injury will make your injury case go smoothly and increase its value.

Questions about your injury case? Feel free to contact Illinois injury lawyer Dirk May at 309-827-4371.

 

 

How is the Workers’ Compensation Settlement Determined?

Injured workers in Illinois are entitled to 3 rights.

  1. Payment of medical bills for related treatment.
  2. 66 percent of your average weekly wage for the time your doctor has you off work.
  3. 60 percent of your average weekly wage for the value of your permanent partial disability, this is often referred to as the settlement.

There is no pain and suffering damages for workers’ compensation in Illinois.

There is no schedule of benefits for certain types of injuries; some states mandate payment of a certain amount of money for a broken leg, for instance. Illinois does not do this.

An example is that a herniated disc in the lumbar spine, without surgery, may be worth 10 percent of a person.

The Illinois Workers’ Compensation Act says your back is worth a total of 500 weeks. 10 percent equals 50 weeks.

Assume a person earned $500.00 a week for the 52 weeks before they were injured. 60 percent of $500 equals $300.

50 weeks times $300 equals $15,000.

As you can see the value of your settlement will vary dramatically based on your wage.

There is also a minimum and maximum rate used in calculating your permanency rate.

Questions about your Work Comp injury? Feel free to contact Illinois Workers’ Compensation Attorney Dirk May at 309-827-4371.