Filing a workers’ compensation claim in Illinois can be a complicated process, and even minor mistakes can lead to delays, reduced benefits, or outright denials. Many workers are unfamiliar with the system, and insurance companies often take advantage of this lack of knowledge.
At Illinois Workers’ Comp Lawyers, we’ve seen firsthand how simple errors can prevent injured workers from getting the compensation they need. Avoiding these common mistakes can make all the difference in securing a successful claim.
Failing to Report Your Injury on Time
Illinois law requires workers to report a workplace injury to their employer within 45 days of the incident. While it may seem like plenty of time, waiting too long can raise red flags with insurance companies, making it easier for them to dispute your claim. The sooner you report the injury, the smoother the process will be.
If your employer is dismissive or tries to delay filing the report, it’s important to document your injury in writing and keep a copy for your records. This creates a clear paper trail to support your case if any disputes arise later.
Not Seeking Immediate Medical Treatment
Some workers delay medical treatment because they assume the injury will heal on its own. However, waiting too long to see a doctor can harm both your health and your claim. Insurance companies often deny claims by arguing that the injury wasn’t serious or wasn’t work-related.
Make sure to see a doctor as soon as possible and tell them your injury happened at work. Detailed medical records linking your injury to your job are one of the strongest pieces of evidence in a workers’ comp case. If the insurance company questions your need for medical care, legal guidance can help ensure you receive the treatment you deserve.
Not Filing an Official Claim with the IWCC
Telling your employer about your injury isn’t enough—you must also file an Application for Adjustment of Claim with the Illinois Workers’ Compensation Commission (IWCC). If you fail to do this, your case might not be considered if a dispute arises.
Workers have three years from the date of injury or two years from the last payment of benefits to file the claim. Missing this deadline can cost you the compensation you need for medical bills and lost wages. Ensuring the proper paperwork is submitted on time can prevent unnecessary delays or denials.
Accepting the First Settlement Offer Too Quickly
Insurance companies often offer an initial settlement that may not cover all of your future medical expenses and lost wages. Many injured workers accept these early offers without realizing they have the right to negotiate for a fairer amount.
Before agreeing to a settlement, consider whether it accounts for future medical treatments, rehabilitation costs, and lost income if you’re unable to return to work. Rushing into a decision can leave you struggling with expenses down the road. Our experienced workers’ compensation lawyers will help you navigate this process, fighting for the compensation you deserve.
Providing Inconsistent or Incomplete Information
One of the easiest ways for an insurance company to deny a claim is by pointing out inconsistencies in your report, medical records, or witness statements. If details about your injury differ between your accident report and your medical records, insurers may argue that your claim is invalid.
To prevent this, make sure your reports are detailed and consistent across all documentation. Keep copies of everything you submit to your employer, the IWCC, and the insurance company. If discrepancies arise, having accurate records can help clarify your case.
Ignoring Doctor’s Orders or Missing Appointments
Once you start receiving medical treatment, it’s critical to follow your doctor’s orders and attend all scheduled appointments. If you stop treatment early or miss check-ups, the insurance company may argue that you are no longer injured or that your condition isn’t as serious as you claim.
Make sure to complete all recommended treatments and keep a record of your visits. If you experience difficulties getting approval for necessary medical care, legal support can help push back against unfair denials.
Giving Up After A Denial
Many workers assume that if their claim is denied, they have no further options. However, denials are common, and Illinois law allows workers to appeal these decisions through the IWCC.
If your claim has been denied, review the reasons carefully—many denials happen due to missing paperwork, employer disputes, or lack of medical evidence. A strong appeal with additional documentation and legal representation can significantly increase your chances of securing the benefits you deserve.
Contact Illinois Workers’ Comp Lawyers Today
Filing a workers’ compensation claim can be overwhelming, but avoiding these common mistakes can improve your chances of success. At Illinois Workers’ Comp Lawyers, we help injured workers navigate the claims process, ensuring that paperwork is filed correctly, deadlines are met, and unfair denials are challenged.
If you’ve been injured on the job, don’t leave your claim to chance. Contact us today for a consultation, and let’s work together to secure the compensation you deserve.
