Southern Illinois Workers’ Compensation Attorneys

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    Workers’ Compensation Attorneys in Southern Illinois

    If you were hurt on the job in Illinois, you are likely entitled to workers’ compensation: full payment of your medical care plus a portion of your lost wages, no matter who caused the accident. The system is no-fault, so you do not have to prove your employer did anything wrong. A workers’ compensation attorney helps you claim everything the law allows and pushes back when the insurer does not.

    A work injury can stop a paycheck cold. The bills do not stop with it. At Olson & Reeves, our Southern Illinois work injury attorneys represent people hurt in the plants, mines, refineries, warehouses, hospitals, prisons, and job sites that drive this region’s economy. We handle claims before the Illinois Workers’ Compensation Commission from the first report of injury through arbitration and, when needed, appeal. Our job is to make sure an injured worker gets the medical treatment, wage benefits, and disability compensation the law provides, and to keep the insurance company from shortchanging that recovery.

    Illinois work comp is governed by the Workers’ Compensation Act, 820 ILCS 305. It is meant to protect workers, but the day-to-day reality is that serious claims are routinely disputed, delayed, and underpaid. Having an experienced advocate evens the field. The call costs you nothing, and you owe no fee unless we recover for you.

    What Benefits Can You Receive Under Illinois Workers’ Comp?

    The benefits available depend on the nature of your injury, how long you are off work, and whether the injury leaves any lasting impairment. Most claims involve a combination of the benefits below. All wage benefits are based on your average weekly wage (AWW), generally calculated from your earnings in the 52 weeks before the injury, and most are subject to a statewide maximum that the IWCC updates twice a year.

    Benefit What It Covers How It Is Calculated
    Medical Care All reasonable, necessary treatment related to the injury Paid in full, with no deductible or copay to you
    Temporary Total Disability (TTD) Wage replacement while you cannot work at all during recovery 66⅔% of your AWW, subject to a state maximum; begins on the 4th lost workday
    Temporary Partial Disability (TPD) Wage replacement when you return to lighter or part-time duty at lower pay while still healing 66⅔% of the difference between your normal wage and your reduced earnings
    Permanent Partial Disability (PPD) Compensation for lasting impairment once you reach maximum medical improvement Based on the statutory schedule of injuries, a percentage of loss, and an AMA impairment rating, with age, occupation, and earning capacity considered
    Permanent Total Disability (PTD) Lifetime wage replacement when the injury permanently prevents any gainful work 66⅔% of your AWW for life, subject to a state maximum
    Vocational Rehabilitation & Maintenance Retraining and job placement when you cannot return to your old job, plus living expenses during retraining Cost of approved retraining, plus maintenance benefits at no less than your TTD rate
    Wage Differential Ongoing benefit when a permanent restriction forces you into lower-paying work 66⅔% of the difference between your old and new wage, capped at the statewide average weekly wage
    Death Benefits Support for the family of a worker killed on the job 66⅔% of the worker’s AWW to survivors, plus a burial benefit

    The wage figures matter. As an example, for injuries occurring between January 15 and July 14, 2026, the maximum TTD rate is $2,008.60 per week, tied to a statewide average weekly wage of $1,506.49. Those caps adjust every January and July, so the current IWCC benefit-rate tables always control. Higher earners hit the cap; lower earners receive two-thirds of their actual wage, subject to a minimum.

    Medical Care and Your Right to Choose Your Doctor

    Workers’ compensation pays for all reasonable and necessary medical treatment connected to your work injury, with no deductible and no copay. That includes emergency care, hospital stays, surgery, prescriptions, physical therapy, diagnostic imaging, prosthetics, and mileage to appointments. Just as important, Illinois lets you pick your own doctor. Under 820 ILCS 305/8(a), the employer must pay for your first two choices of physician, plus any specialist those doctors refer you to in each chain of referral. You are not stuck with the company doctor.

    Temporary Total and Temporary Partial Disability (TTD / TPD)

    When a work injury keeps you off the job entirely while you recover, TTD pays two-thirds of your average weekly wage. Benefits begin on the fourth day you are unable to work, and if your disability lasts more than 14 days, the first three days are paid as well. If your doctor releases you to light or part-time duty at reduced pay, temporary partial disability fills part of the gap, paying two-thirds of the difference between your usual wage and what you can earn on restricted duty. Both are wage-replacement benefits meant to keep your household afloat while you heal.

    Permanent Partial and Permanent Total Disability (PPD / PTD)

    Some injuries leave lasting effects even after treatment ends. Once you reach maximum medical improvement, the question becomes how much permanent disability the injury caused. PPD compensates partial, lasting impairment, calculated from the statutory schedule of injuries, the percentage of loss, and, for injuries after September 1, 2011, an AMA impairment rating considered alongside your age, occupation, and future earning capacity under 820 ILCS 305/8. When an injury permanently prevents any gainful employment, PTD pays two-thirds of your average weekly wage for life. How disability is rated and argued has a large effect on the value of a claim, which is where experienced advocacy pays for itself.

    Wage Differential, Vocational Rehabilitation, and Maintenance

    If a permanent restriction forces you out of your old job and into lower-paying work, a wage differential award pays two-thirds of the difference between what you used to earn and what you can earn now. For injuries on or after September 1, 2011, that benefit runs until you turn 67 or for five years from the date the award becomes final, whichever is later. When you cannot return to your former trade at all, the law also funds vocational rehabilitation, retraining and job placement aimed at restoring your earning power, along with maintenance benefits during that period at no less than your TTD rate.

    Injuries and Conditions Covered by Workers’ Compensation

    To be covered, an injury must arise out of and in the course of your employment. That covers far more than a single dramatic accident. Sudden trauma, conditions that build up over years, illnesses caused by workplace exposure, and even the worsening of a prior condition can all be compensable. The categories below are the ones we see most often across Southern Illinois worksites.

    Acute Traumatic Injuries

    These are the one-time accidents people usually picture: falls from height, being struck by or caught in machinery, crush injuries, forklift and vehicle accidents, burns, lacerations, and the back, shoulder, and knee injuries that come from a single lift or slip. They are common in manufacturing, construction, warehousing, and on the loading dock, and they are compensable regardless of who was at fault.

    Repetitive Trauma (Carpal Tunnel and More)

    Not every work injury happens in an instant. Repetitive trauma injuries develop from doing the same motion over and over, day after day. Carpal tunnel syndrome, tendinitis, rotator cuff tears, trigger finger, and degenerative back and neck conditions are all compensable when the work activity is a cause. These claims are frequently disputed by insurers who blame age or life outside work, which makes solid medical evidence and a clear work history essential.

    Occupational Diseases and Toxic Exposure

    Illness caused by the work itself is covered under the Workers’ Occupational Diseases Act, 820 ILCS 310. In a region built on mining, refining, and heavy industry, that includes respiratory disease from dust and fumes, conditions tied to chemical and solvent exposure, and the coal-mine pneumoconiosis that the Act addresses directly. Because these conditions can surface years after exposure, the time limits are measured from when you knew or should have known the disease was work-related.

    Hearing Loss

    Years of loud machinery take a toll. Occupational hearing loss from sustained exposure to plant, mine, rail-yard, and shop noise is a recognized, compensable workers’ compensation injury in Illinois. Because the loss happens gradually, workers often do not connect it to the job until it is significant, so a baseline and a current audiogram are key pieces of proof.

    Aggravation of a Pre-Existing Condition

    You do not lose your right to benefits just because you had a prior condition. If a work injury aggravates, accelerates, or worsens something you already had, such as arthritis, a degenerative disc, or an old injury, that aggravation is compensable. Insurers love to point to pre-existing problems to deny claims, but Illinois law takes the worker as it finds them. The question is whether the work made the condition worse, not whether the condition existed before.

    Psychological and Stress-Related Injuries

    Mental injuries can be compensable too. A psychological condition tied to a physical work injury, and in narrower circumstances a mental injury caused by a sudden, severe workplace event, may support a claim. These cases are fact-intensive and demand careful medical documentation, but they are real, particularly for first responders, healthcare and corrections staff, and workers who witness or survive a serious on-the-job event.

    Who Is Covered, and Who Is Not

    Almost every employee in Illinois is covered by workers’ compensation. With very limited exceptions, employers are required to carry coverage for their workers, and coverage generally begins on the first day of the job, with no minimum number of hours. If you are an employee hurt in the course of your work, you can almost certainly file a claim, and that holds true whether you are full-time, part-time, seasonal, or undocumented.

    The main gaps are at the ownership level and in certain federally governed jobs. Sole proprietors, business partners, and members of an LLC are generally not automatically covered, though they may elect to cover themselves. Some workers are covered by a different system entirely rather than Illinois work comp, and getting that classification right at the outset matters, because it controls how, where, and against whom you bring your claim.

    Federal Employees and FECA

    Civilian federal employees, including many who work at federal facilities in our region, are not covered by Illinois workers’ compensation. They fall under the federal Workers’ Compensation program (FECA), administered by the U.S. Department of Labor, a separate system with its own rules and deadlines.

    Railroad, River, and Maritime Workers: FELA, the Jones Act, and the LHWCA

    Southern Illinois sits on two of the country’s busiest rivers and a dense rail network, and the workers who keep them moving are usually covered by federal law instead of Illinois work comp. Railroad employees fall under the Federal Employers’ Liability Act (FELA). Crew members on vessels fall under the Jones Act, and longshore, harbor, and many barge workers fall under the Longshore and Harbor Workers’ Compensation Act (LHWCA). These systems work very differently from Illinois work comp, and the difference can be worth a great deal of money. The comparison below shows why pinning down which law applies is the first thing that has to happen.

    Feature Illinois Workers’ Comp FELA (Railroad) Jones Act / LHWCA (Maritime & River)
    Who it covers Most Illinois employees Interstate railroad employees Vessel crew (Jones Act); longshore, harbor & barge workers (LHWCA)
    Must you prove fault? No – no-fault Yes – must prove railroad negligence Yes for the Jones Act; LHWCA is largely no-fault
    Pain and suffering recoverable? No ✗ Yes ✓ Yes ✓ (Jones Act)
    Where claims are decided Illinois Workers’ Compensation Commission State or federal court Federal court (Jones Act) / federal LHWCA system

    If you are a railroad, barge, or river worker, do not assume an ordinary work comp claim is your only option, and do not let an employer steer you into the wrong one. Talk to us first so the right law is applied from the start.

    The Illinois Workers’ Compensation Claim Process

    A work comp claim moves through a defined set of steps, and missing one can cost you benefits. Here is the path most claims follow before the Illinois Workers’ Compensation Commission.

    1. Report the injury. Tell your employer as soon as possible, in writing, and keep a copy. The law gives you 45 days, but the sooner the better.

    2. Get medical care. See a doctor right away and make clear the injury is work-related. Remember that you may choose your own physician, plus referrals, within the two-doctor rule.

    3. Receive benefits, or get a denial. If the claim is accepted, medical bills and TTD should be paid. Many serious claims are disputed instead, which is the point at which most injured workers call a lawyer.

    4. File an Application for Adjustment of Claim. This is the formal claim filed with the IWCC. It is separate from notifying your employer, and it carries its own deadline.

    5. Arbitration. A disputed claim is heard by an IWCC arbitrator, who issues a decision after reviewing the medical and wage evidence.

    6. Commission review and appeal. Either side can ask a panel of Commissioners to review the arbitrator’s decision, and from there the case can go to the circuit court, the Appellate Court’s Workers’ Compensation Division, and ultimately the Illinois Supreme Court.

    Our role is to build the record properly at the front end, when it matters most, rather than trying to fix problems on appeal.

    Critical Deadlines in an Illinois Work Comp Claim

    Two deadlines decide whether you keep your right to benefits at all. Treat them as hard lines.

    Deadline Time Limit Statute
    Notify your employer of the injury Within 45 days of the accident (sooner is better, and in writing) 820 ILCS 305/6(c)
    File your claim with the IWCC Within 3 years of the injury, or 2 years from the last payment of compensation, whichever is later 820 ILCS 305/6(d)
    Repetitive trauma or occupational disease The clock generally starts when you knew or should have known the condition was work-related 820 ILCS 310

    Miss these deadlines and you can lose the right to benefits permanently, no matter how serious the injury. Exceptions and tolling rules exist, but they are narrow. The safe move is to report immediately and get advice well before any deadline approaches.

    Workers and Industries We Represent in Southern Illinois

    We represent injured workers in every trade, but some industries carry far more risk than others. The work that anchors this region, heavy manufacturing, mining, refining, corrections, and logistics, also produces the most serious claims. The categories below reflect where our clients are most often hurt.

    Manufacturing and Metals

    From the tire plant in Mt. Vernon to the steel mills and metal-fabrication shops of the Metro-East, manufacturing drives a large share of work injuries here. Press and machine injuries, crush and amputation injuries, burns, falls, and the repetitive-motion conditions that come from line work are all common. These are often catastrophic, high-value claims, and insurers defend them hard.

    Refining and Power Generation

    The refineries and power facilities along the rivers and across the region run dangerous processes around the clock. Explosions and fires, falls from elevation, confined-space incidents, and chemical and toxic exposure can cause devastating injuries to operators, maintenance crews, and the contractors who work inside these plants during turnarounds.

    Coal Mining

    Mining remains a major employer in the southern counties, and it remains among the most hazardous work in the state. Roof falls, equipment and haulage accidents, crush injuries, and the respiratory disease addressed by the Occupational Diseases Act all affect miners. We handle both traumatic mine injuries and the occupational-disease claims that surface years later.

    Corrections and Public Safety

    Southern Illinois has one of the densest concentrations of state and federal prisons in the country, and corrections is dangerous work. Officers and staff suffer assaults, back and shoulder injuries from restraining inmates, repetitive-motion conditions, and psychological injuries from violent events. We regularly represent corrections employees hurt on the job.

    Auto-Parts Manufacturing

    The automotive-supplier plants clustered around Marion and elsewhere run fast lines with heavy presses, robotics, and constant lifting. Repetitive trauma, caught-in and struck-by injuries, and back and shoulder injuries are routine. The pace of the line is often the cause, and the resulting permanent restrictions can support significant disability and wage-differential claims.

    Warehousing and Logistics

    Distribution centers and freight terminals along the I-57, I-64, and I-70 corridors run on speed and volume. Forklift accidents, falls, conveyor injuries, and the lifting and repetitive-strain injuries that come from picking and loading send many workers to our office. Production quotas frequently drive these injuries.

    Railroad Workers

    With locomotive and rail-equipment operations in the region and freight lines crossing it, railroad work injuries are part of our practice. Remember that railroad employees are generally covered by the federal FELA rather than Illinois work comp, a fault-based system that can recover more, including pain and suffering, so the right law has to be applied from the start.

    Oil and Gas

    The oilfields of the southeastern counties support extraction and field-service work that is physically punishing and often remote. Falls, equipment failures, fires, and vehicle and transport injuries are common, and the distance from emergency care can make a serious injury worse.

    Healthcare Workers

    Hospitals and nursing facilities are among the largest employers in nearly every county here, and healthcare is physically demanding. Back and shoulder injuries from lifting and moving patients, needlesticks and exposure, slips, and workplace violence all generate claims for nurses, aides, and support staff.

    Construction

    Construction is among the most dangerous industries, and a single job site usually has several companies working side by side. That matters, because when a party other than your employer contributes to the injury, you may have both a work comp claim and a separate third-party case. Falls, scaffold and ladder collapses, struck-by injuries, trench cave-ins, and electrocution are leading causes of serious harm. See the section below on third-party claims, and our Southern Illinois personal injury attorneys page.

    Major Southern Illinois Employers and Worksites by County

    We represent workers injured across the full range of Southern Illinois industry. The map below shows the dominant high-risk sectors in each county and names representative worksites, so you can see the kinds of workplaces our injured clients come from.

    The employers and worksites named here are identified only to illustrate the types of Southern Illinois workplaces where we represent injured workers. Naming a company does not imply any affiliation with, sponsorship by, or endorsement by that employer. We are not affiliated with any of the employers listed, and operations change over time.

    County (Key Cities) Dominant High-Risk Industries Representative Worksites & Employers
    Jefferson (Mt. Vernon) Tire & rubber manufacturing, rail-equipment manufacturing, distribution, healthcare Continental Tire the Americas, National Railway Equipment Co., Walgreens Distribution Center, SSM Health Good Samaritan
    Williamson (Marion, Herrin) Auto-parts manufacturing, federal corrections, beverage distribution Aisin (Manufacturing, Light Metals & Electronics), USP Marion, Pepsi MidAmerica
    Madison (Granite City, Alton, Wood River) Steel & metals, oil refining, rail components, distribution U.S. Steel Granite City Works, Wieland Rolled Products, Phillips 66 Wood River Refinery, Amsted Rail, ASF Keystone, Basler Electric
    St. Clair (Belleville, East St. Louis, Sauget) Defense manufacturing, logistics & warehousing, aerospace labor General Dynamics (Sauget), 255 Logistics Center, rail and intermodal operations
    Randolph (Chester, Sparta, Red Bud) Maximum-security corrections, coal mining, metals & foundry, food processing, power generation Menard Correctional Center, Knight Hawk Coal, Gilster-Mary Lee, Spartan Light Metals, Red Bud Industries
    Perry (Du Quoin, Pinckneyville) Coal mining, corrections, food processing Knight Hawk Coal (Prairie Eagle Mine), Pinckneyville Correctional Center
    Franklin (Benton, West Frankfort) Coal legacy, healthcare, logistics Franklin Hospital, mining-services and freight operations
    Saline (Harrisburg, Eldorado) Coal mining, healthcare Harrisburg Medical Center, coal and freight operations
    Jackson (Carbondale, Murphysboro) University & healthcare, construction, manufacturing Southern Illinois University, Southern Illinois Healthcare, Penn Aluminum, Intertape Polymer, E.T. Simonds Construction
    Crawford (Robinson) Oil refining, confectionery and auto-sealing manufacturing Marathon Petroleum Robinson Refinery, Hershey, Dana Incorporated
    Effingham (Effingham, Altamont) Logistics & trucking hub, food-equipment and industrial manufacturing, healthcare FedEx Freight, John Boos & Company, Effingham Equity, Stevens Industries, HSHS St. Anthony’s
    Marion (Centralia, Salem) Manufacturing, rail and freight, corrections, oilfield, healthcare Centralia Correctional Center, regional manufacturers, Salem-area oilfield operations
    Clay (Flora) Automotive-lighting manufacturing North American Lighting (Flora plant)
    Richland (Olney) Distribution, bicycle and dairy manufacturing, healthcare Walmart Distribution Center, Pacific Cycle, Prairie Farms Dairy, Carle Richland Memorial
    Lawrence (Lawrenceville, Sumner) State corrections, auto-parts manufacturing Lawrence Correctional Center, Toyota Boshoku Illinois
    Coles (Mattoon, Charleston) Food and safety-equipment manufacturing, healthcare, university Grupo Bimbo, Mars Petcare, Justrite Manufacturing, Sarah Bush Lincoln, Eastern Illinois University
    Shelby (Shelbyville) Paper-products manufacturing, healthcare International Paper, Shelby Memorial Hospital
    Christian (Taylorville, Pana) Grain-systems manufacturing, corrections, filtration AGCO / GSI, Taylorville Correctional Center, Ahlstrom Filtration
    Montgomery (Hillsboro, Litchfield) Corrections, food distribution, energy, healthcare Graham Correctional Center, food manufacturing and distribution along I-55
    Fayette (Vandalia) State corrections, light manufacturing along I-70 Vandalia Correctional Center, regional manufacturers
    Johnson (Vienna) State corrections Vienna Correctional Center, Shawnee Correctional Center
    Bond (Greenville) Federal corrections, manufacturing Greenville FCI, DeMoulin Bros. & Company
    Washington (Nashville) Automotive-components manufacturing, agriculture, healthcare Nascote Industries and regional manufacturers
    Union (Anna, Jonesboro) State mental-health facility, healthcare, agriculture Choate Mental Health & Developmental Center, Union County Hospital
    Massac (Metropolis) Industrial processing, gaming, river transport, healthcare Metropolis Works conversion facility, Harrah’s Metropolis, Massac Memorial Hospital
    Alexander (Cairo) River and barge transport, social services, healthcare American Commercial Lines, Waterfront Services
    Wabash (Mt. Carmel) Oil & gas, manufacturing, community college Oilfield services, auto-parts manufacturers, Wabash Valley College
    White, Wayne, Hamilton & Edwards (Carmi, Fairfield, McLeansboro, Albion) Oil & gas extraction and field services, agriculture Oilfield, pipeline, and field-service operations across the southeastern counties
    Clinton, Monroe & Jersey (Carlyle, Columbia, Jerseyville) Manufacturing, heavy civil and river work, healthcare, Metro-East labor Budnick Converting, Luhr Bros., Jersey Community Hospital, regional manufacturers

    If you were hurt at one of these worksites, or anywhere else in the region, the kind of work and the kind of injury shape your claim. We know these industries and the injuries they cause.

    Third-Party Claims: When You Have a Case Beyond Workers’ Comp

    Workers’ compensation is usually your only claim against your own employer, but it is not always your only claim. When someone other than your employer caused or contributed to your injury, you may bring a separate third-party personal injury lawsuit against that party, on top of your work comp claim. This is one of the most valuable things an injured worker can understand, because the third-party case can recover the pain and suffering that work comp does not.

    Common third-party situations include a negligent driver who hits you while you are working, a subcontractor or another contractor on a job site, a property owner, or the maker of a defective machine or product. Pursuing both claims together, while accounting for the employer’s lien, is often how an injured worker recovers the most.

    Workers’ Compensation Claim Third-Party Injury Claim
    Who you pursue Your employer’s insurer A negligent outside party
    Must you prove fault? No Yes
    Medical bills & lost wages
    Pain and suffering ✗ Not available ✓ Available
    Who decides it Illinois Workers’ Compensation Commission Civil court

    One catch matters. When you recover from a third party, your employer or its insurer generally has a lien under 820 ILCS 305/5(b), a right to be repaid out of that recovery for the benefits it paid. Negotiating that lien down is part of maximizing what you actually keep, and it is one more reason to have the work comp claim and the third-party claim handled together. To learn more about the injury-lawsuit side, see our Southern Illinois personal injury attorneys and Southern Illinois car accident lawyers pages.

    Workplace Deaths and Survivor Benefits

    The loss of a worker is the hardest kind of case we handle. A family is left grieving and, too often, also facing funeral costs, unpaid medical bills, and the loss of the income they depended on. Illinois workers’ compensation provides death benefits to ease that financial blow, and an experienced attorney can make sure the family receives everything the law allows.

    Under 820 ILCS 305/7, the primary beneficiaries are the surviving spouse and any children under 18. Survivors are entitled to two-thirds (66⅔%) of the worker’s gross average weekly wage, subject to the statewide minimum and maximum. Those benefits are paid for 25 years or up to $500,000, whichever is greater. In addition, a burial benefit of $8,000 is paid to help cover funeral and burial costs. We handle these claims with the care they deserve and the resolve to get the family fully compensated.

    How Insurance Companies and Employers Fight Claims

    Workers’ compensation is supposed to be straightforward. In practice, insurers have a financial incentive to pay as little as possible, and they have well-worn tactics for doing it. Knowing what is coming is half the battle.

    The “independent” medical exam (IME). Under 820 ILCS 305/12, the insurer can send you to a doctor it selects and pays. Despite the name, the IME doctor’s report often minimizes the injury or claims you have recovered. It is not the last word, and your treating physician’s opinion can carry more weight.

    Surveillance and social media. Insurers hire investigators and watch social media, hoping to catch an injured worker doing something that looks inconsistent with their restrictions. Surveillance is legal. Follow your doctor’s restrictions exactly, and be careful what you post while a claim is open.

    Denials and delay. Claims get denied as “not work-related,” blamed on a pre-existing condition, or simply stalled in the hope you give up. A denial is not the end. It is the point at which a formal claim and, if necessary, arbitration come into play.

    Return-to-work and light-duty pressure. Employers may push you back to work before you are ready, or offer “light duty” that does not really fit your restrictions, in order to cut off wage benefits. And remember, it is unlawful to fire, threaten, or refuse to rehire you for filing a claim. That is the tort of retaliatory discharge, recognized by the Illinois Supreme Court in Kelsay v. Motorola, Inc. (1978).

    Illinois Workplace Injury and Fatality Data

    Work injuries are not rare. Nationwide, the U.S. Bureau of Labor Statistics recorded 5,070 fatal work injuries in 2024, and employers reported about 2.5 million nonfatal workplace injuries and illnesses in private industry that year. In Illinois, 145 workers died on the job in 2023, with transportation incidents the leading cause. The industries that anchor Southern Illinois, manufacturing, mining, refining, transportation, and construction, consistently rank among the most dangerous.

    For the public data and safety standards behind these figures, see the federal OSHA data and statistics tools, the Illinois Department of Labor, and Illinois WorkSafe. A serious work injury or death can also be reported to OSHA directly through its fatality and severe-injury reporting page.

    Why Olson & Reeves for Your Workers’ Comp Claim

    Hiring a workers’ compensation lawyer in Illinois costs you nothing up front and very little at the end. By law, an attorney’s fee in a work comp case is capped at 20% of the benefits recovered under 820 ILCS 305/16a, far below the one-third typical in injury lawsuits, and the fee must be approved by the Commission. We front the costs of building your case, and we are paid only if we recover benefits for you.

    Just as important, we work these cases close to home. We handle claims throughout Southern Illinois and know the IWCC process, the local venues, and the major employers and industries our clients work in. That familiarity is procedural and practical, knowing how the system runs and how the insurers defend these claims, so we can move a case efficiently and prepare it properly from the first filing. When you work with Olson & Reeves, you work directly with our firm, not a call center two states away.

    Where We Handle Workers’ Compensation Cases in Southern Illinois

    Based in Mt. Vernon, we represent injured workers across the entire region. Some of the counties we serve:

    Alexander County Bond County
    Christian County Clay County
    Clinton County Coles County
    Crawford County Edwards County
    Effingham County Fayette County
    Franklin County Gallatin County
    Hamilton County Hardin County
    Jackson County Jasper County
    Jefferson County Jersey County
    Johnson County Lawrence County
    Madison County Marion County
    Massac County Monroe County
    Montgomery County Perry County
    Pope County Pulaski County
    Randolph County Richland County
    Saline County Shelby County
    St. Clair County Union County
    Wabash County Washington County
    Wayne County White County
    Williamson County & surrounding counties

    Southern Illinois Workers’ Compensation FAQ

    Deadlines and the Claim Process

    How long do I have to report a work injury in Illinois?

    You have 45 days from the date of your accident to notify your employer of a work injury in Illinois, under 820 ILCS 305/6(c). Reporting sooner is always better, and putting it in writing protects you. Miss the 45-day window and your employer can deny the claim outright.

    For injuries that develop over time, like repetitive trauma, the clock generally starts when you knew or should have known the condition was work-related. Tell your supervisor in writing, keep a copy, and note the date, place, and how it happened.

    What is the deadline to file an Illinois workers' compensation claim?

    Reporting your injury is not the same as filing a claim. To protect your benefits, you must file an Application for Adjustment of Claim with the IWCC within 3 years of the injury, or within 2 years of the last compensation payment, whichever is later, under 820 ILCS 305/6(d).

    “Last payment of compensation” usually means the last TTD payment or the last medical bill the insurer paid. Because the rule has moving parts, do not try to count the days on your own when benefits are still being paid. Confirm the deadline with an attorney well in advance.

    How long does an Illinois workers' compensation case take?

    It depends on the injury and whether the claim is disputed. A straightforward claim with accepted benefits may resolve in a matter of months. A disputed claim, a serious injury that has not yet reached maximum medical improvement, or one headed to arbitration before the IWCC can take a year or more.

    Settling before you have healed is usually a mistake, because you cannot value permanent disability or future medical needs until your condition stabilizes. The goal is a full and fair result, not just a fast one.

    What You Can Recover

    How much does a workers' compensation lawyer cost in Illinois?

    By law, an Illinois workers’ compensation attorney’s fee is capped at 20% of the benefits recovered, under 820 ILCS 305/16a, and must be approved by the Commission. You pay nothing up front, we front the case costs, and we are paid only if we recover benefits for you.

    That 20% cap is well below the one-third to 40% contingency common in injury lawsuits. It exists to protect injured workers, and it means there is little financial reason to go through a serious claim without representation.

    Will workers' comp pay my full salary while I am off work?

    No. Workers’ compensation temporary total disability pays two-thirds (66⅔%) of your average weekly wage, not your full salary, and it is subject to a state maximum that changes twice a year. Because the benefit is not taxed, the after-tax gap is often smaller than the two-thirds figure suggests.

    Benefits begin on the fourth day you are unable to work. If your disability lasts more than 14 days, the first three days are paid as well. If the insurer is underpaying your rate, that is a common and correctable problem.

    Can I get money for pain and suffering through workers' comp?

    No. Illinois workers’ compensation does not pay for pain and suffering. It covers medical care, a portion of lost wages, and compensation for permanent disability, but not the emotional toll of the injury. Pain and suffering is only recoverable in a separate third-party injury claim against someone other than your employer.

    This is exactly why identifying a possible third-party claim early matters so much. If a negligent outside party contributed to your injury, that case can recover what work comp leaves out.

    What is a wage differential award?

    A wage differential benefit applies when a permanent work injury forces you into a lower-paying job. Under 820 ILCS 305/8, it pays two-thirds of the difference between your old wage and your new, lower wage. For injuries after September 1, 2011, it lasts until age 67 or five years from the award, whichever is later.

    For a worker who can no longer do a higher-paying trade, a wage differential can be one of the most valuable parts of a claim, because it accounts for years of reduced earning power rather than a single lump sum.

    What if my family member died in a workplace accident?

    Illinois workers’ compensation pays death benefits to the surviving spouse and children under 18 of a worker killed on the job. Under 820 ILCS 305/7, benefits are 66⅔% of the worker’s average weekly wage, paid for 25 years or up to $500,000, whichever is greater, plus an $8,000 burial benefit.

    If the death involved a negligent third party, the family may also have a separate wrongful death claim that can recover more. We can evaluate both and handle them together.

    Your Rights and Coverage

    Can I choose my own doctor for a work injury in Illinois?

    Yes. Illinois lets you choose your own treating doctor. Under 820 ILCS 305/8(a), the employer must pay for your first two choices of physician, plus any specialist those doctors refer you to within each chain of referral. That is more generous than many states allow.

    You are not required to treat with the company doctor. Choosing the right physician early, one who understands work injuries and will document the connection to your job, can make or break a claim.

    Can I be fired for filing a workers' compensation claim?

    No. It is unlawful in Illinois to fire, threaten, or refuse to rehire an employee for filing or pursuing a workers’ compensation claim. Doing so is the tort of retaliatory discharge, recognized by the Illinois Supreme Court in Kelsay v. Motorola, Inc. (1978), and it can entitle you to lost wages and, in some cases, punitive damages.

    If you were fired or pressured after reporting an injury or filing a claim, document what happened and talk to a lawyer. Retaliation is a separate wrong from the underlying work injury.

    Can I sue my employer for a workplace injury in Illinois?

    Usually no. Workers’ compensation is the “exclusive remedy” against your employer under 820 ILCS 305/5, which means you generally cannot sue your employer for negligence. In exchange, you receive benefits without having to prove fault, and that bargain is what makes the system work.

    The same exclusive-remedy rule is reinforced by 820 ILCS 305/11. Narrow exceptions exist, and you can still sue a negligent third party who is not your employer. Whether any exception applies is a question worth asking a lawyer about early.

    Do I have to attend the insurance company's medical exam (IME)?

    Yes, usually. Under 820 ILCS 305/12, the employer’s insurer can require you to attend an independent medical examination with a doctor it chooses and pays for. Despite the name, these exams often favor the insurer, but the IME doctor’s opinion is not the final word.

    You should attend when properly scheduled, but you do not have to accept the result. Your treating physician’s records frequently carry more weight, and an attorney can challenge an IME report that does not square with the medical evidence.

    Will the insurance company watch or follow me?

    Possibly. Surveillance is legal in Illinois, and insurers do hire investigators and review social media to find injured workers doing things that seem to contradict their restrictions. Assume you may be watched. Follow your doctor’s restrictions exactly, and be careful what you post online while a claim is open.

    A single out-of-context photo or video can be used to argue you are exaggerating. The simplest protection is to live within your restrictions and keep your claim off social media.

    Are repetitive injuries like carpal tunnel covered?

    Yes. Illinois workers’ compensation covers repetitive trauma injuries, not just one-time accidents. Conditions like carpal tunnel syndrome, tendinitis, rotator cuff tears, and back problems that build up from years of the same motions are compensable, as long as the work activity is a cause of the condition.

    Insurers often blame age or hobbies to deny these claims, so the medical opinion connecting the condition to your job duties is critical. Occupational diseases and work-related hearing loss are covered as well.

    Special Situations

    I am a railroad or river worker. Does Illinois workers' comp cover me?

    Often not. Railroad workers are usually covered by the federal FELA, and seamen and barge crews by the Jones Act or LHWCA, instead of Illinois workers’ compensation. These fault-based systems can pay more, including pain and suffering, but you must prove negligence. Which law applies controls everything, so get advice early.

    Given the rail lines and river traffic across our region, this comes up often. Do not let an employer steer you into the wrong system. We will make sure the correct law is applied from the start.

    Can I get workers' comp and also file a personal injury lawsuit?

    Sometimes yes. If someone other than your employer caused your work injury, such as a negligent driver, a subcontractor, or a defective-equipment maker, you can pursue workers’ compensation and a separate third-party injury claim at the same time. The third-party claim can recover pain and suffering that work comp does not.

    Pursuing both is often how injured workers recover the most, but it has to be coordinated because the employer’s insurer may hold a lien on the third-party recovery. Learn more on our Southern Illinois personal injury attorneys page.

    Talk to a Southern Illinois Workers’ Compensation Attorney Today

    If you were hurt on the job anywhere in Southern Illinois, the sooner you get advice, the better your claim is protected. The consultation is 100% free, your attorney fee is capped by law, and you owe nothing unless we recover for you. Call Olson & Reeves today at (618) 316-7322 or reach out using the form below.

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