Back injuries and Work Comp Settlements

Back injuries are tricky. Especially when you have had a surgery. No one can really predict what the future will hold for continued problems or the need for additional treatment.

That is why it is very important to think long and hard about whether you want to settle an operated back case in Illinois. Once you settle the case it is over. You may have future back problems and needs for treatment that will not be covered through Workers’ Compensation insurance.

If you are concerned about the future you need to think about having a trial to protect your ability to seek future medical treatment.

Illinois Workers’ Compensation trials are usually over in less than an hour. They take some work and time to prepare, however it may be well worth it to protect your rights in the future.

If you have questions about whether you need a trial for your work injury please call me, Bloomington, Illinois Work Comp Attorney Dirk May.

What takes so long to Settle?

Waiting for your Illinois Workers’ Compensation settlement sure seems like it takes forever. What is up?

The insurance company lawyer has to get approval for everything from the insurance company adjuster. The adjuster works somewhere separate from the attorney. Some adjusters are good and some are bad regarding responding to offers.

The only option when the insurance company is slow in responding is to set the case for trial. This does not necessarily speed things up, but it shows you are serious and the insurance company has to spend their money on their lawyer.

Eventually you may have to prepare for trial to get an offer. This will cost you extra money because you will have to pay a doctor to testify on your behalf. But you may have to do this to get the offer you want.

Overtime- Does it Count?

In Illinois Workers’ Compensation Law your wage is very important in deciding the value of your settlement.

Your average weekly wage for the 52 weeks before your accident date times 60 percent is the deciding factor in your rate.

Overtime can really increase your wage.

Illinois law requires overtime to be mandatory and worked on a regular basis.

You can prove mandatory overtime through a union contract, a written policy, testimony of other workers, or agreement of the parties.

It is often worth it to fight for your overtime because it really can increase the size of your settlement.

What is a Workers Compensation Arbitrator?

In Illinois, the Workers’ Compensation Arbitrator is the judge who decides the case if it goes to trial.

The Arbitrator is hired by the State of Illinois. The Arbitrator is a neutral. In other words, the judge cannot favor either the insurance company or the injured worker.

The Arbitrator may be a lawyer, but does not have to be. To become an Arbitrator you must pass a test, and be selected through the Governor’s office. Once you become an arbitrator it is almost a lifetime job.

Commissioners are the next level up from Arbitrators. Commissioners act as a reviewing body for appeals from Arbitrator’s decisions. Three Commissioners serve on what is called a panel to hear appeals.

In contrast to Arbitrators, only one Commissioner on a panel is a neutral, one Commissioner is a labor representative, and one Commissioner is a business representative.

Commissioners do not have to pass a test. They must be a lawyer, or have a labor relations background. They are appointed by the Governor, and confirmed by the Senate. They serve for a specific term, and can be reappointed.

Settlement Season

Some Workers’ Compensation Insurance Companies are very interested in settling their cases by the end of the year.

This means you may be getting an offer to settle very soon.

You should review the offer carefully.

Is it fair?

Will you need more medical treatment in the future?

Are all your medical bills going to be paid?

Do you understand all the contract language?

If you are in Illinois and need someone to talk with about your Work Comp case feel free to call me, Attorney Dirk May at 309-827-4371.