What is workers’ compensation and am I covered?

Workers’ compansation essentially is a no fault benefit system provided for most workers with job-related injuries.  The Occupational Diseases Act provides virtually the same benefits as workers’ compensation for job-related diseases.  The Illinois Workers Compensation Commission administers the law and resolves disputes, providing information and assistance to employees and employers.

All employers in the State of Illinois must carry workers’ compensation insurance or be approved for self-insurance by the State.  Independent contractors are not covered by workers’ compensation, but their employees are.  Every sole proprietor and every partner of a business may elect to be covered by the workers’ compensation laws.