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Cicero Illinois

May, 21st
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About Legal & Financial

First of all what exactly is local Workers Compensation Insurance? This is the insurance an employer carries in order to cover any of his employees who might get hurt while in the job. Local Workers Compensation Insurance will help cover any medical care and a portion of lost wages. Local Workers Compensation Insurance also provides an employer immunity to being sued or having a civil lawsuit brought against him/her by the employee. Local Workers Compensation Insurance is regulated and over seen by the Division of Workers Compensation of the Department of Labor and Industrial Relations. This division's responsibility is to act as a mediator in disagreements over the benefits and also watches over safety programs of insurance companies and investigates cases where suspected fraudulent claims. Who needs to carry local Workers Compensation Insurance? Most every employer needs to carry local Workers Compensation Insurance on all of his/her employees. However, there are a few employers who do not have to carry local Workers Compensation Insurance. Those included in the ones who do not have to carry local Workers Compensation Insurance are: small and specific groups of employees such a farm workers, domestic servants, and some agents in the real-estate business are a few but not limited to these. An individual or the owner(s) are not covered under local Workers Compensation Insurance unless they specifically ask to be insured. The general rule to who needs local Workers Compensation Insurance is if a firm or company has more than five employees they must carry local Workers Compensation Insurance. However, if a contractor has just one employee he/she must purchase local Workers Compensation Insurance.

More on Workers' Compensation Insurance

Benefits paid to an employee if they are injured on a job consist of (other than medical payments) payment of up to two-thirds of the average weekly wages after the first three days of lost work. If the employee is unable to return to work after 14 days, then they will also receive payment for those first three days of missed work. If the injury causes a permanent disability or the loss of a limb extra compensation is required. Injury resulting in death will have the benefits paid to the surviving dependents. If for some reason an employer is found to not be carrying local Workers Compensation Insurance, they can be fined up to $50,000 dollars or a penalty of up to three times the annual premium that should have been paid. Failure to maintain local Workers Compensation Insurance on employees is a class A misdemeanor while getting caught a second time without local Workers Compensation Insurance is a class D felony. If someone is hurt on the job and the employer is found to not be carrying local Workers Compensation Insurance, the employer is still liable for the injury to the employee. To obtain local Workers Compensation Insurance simply check with your local insurance companies. Not all companies will carry local Workers Compensation Insurance. You can also check online for local Workers Compensation Insurance companies and quotes. In conclusion, local Workers Compensation Insurance is a must for most companies and contractors.

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