Can I Use My Own Insurance Instead of Workers’ Comp?

My short answer: you should almost always try to use workers’ compensation insurance, not your own health insurance, for a work injury. Here’s why. 1. No co-pays, no deductibles, no out-of-pocket bills Under workers’ comp, there are no co-pays or deductibles for approved treatment. When your claim is accepted and the bills are handled correctly,…

Illinois Workers’ Comp Investigations: What Investigators Look For & How to Protect Your Claim

What does the insurance adjuster mean “it’s under investigation”? You hurt yourself at work and you opened a claim with the insurance company.  They should be paying your benefits, right?  But the adjuster is telling you that they are investigating and don’t want to pay.  What does that mean, and what can you do next?…

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March is National Ladder Safety Month

Each month, the National Safety Council (NSC) observes different safety campaigns to promote safety, responsibility, and well-being across the country. In March, it is officially National Ladder Safety Month, as presented by the American Ladder Institute. At McHargue & Jones, LLC, we are often called upon to help clients who have fallen off unsafe ladders,…

Can You Get Workers’ Compensation for a Brain Injury With Seizures in Illinois?

What Is a Seizure? A seizure is a medical condition caused by neurological damage or deficiencies. When an electrical impulse in the brain is unable to reach its intended destination or otherwise “misfires,” it can cause a seizure. Although many types of seizures are caused by identifiable seizures, a rare few are not, which means…

Can Construction Workers Get Workers’ Compensation?

Construction workers are constantly reminded that their line of work is dangerous. The Occupational Health and Safety Administration (OSHA) releases a list of workplace accidents each year, and construction accidents frequently are at the top of that list in frequency and severity. Posters throughout a construction site also warn of the many dangers there and…

Employer Lied About Your Work Accident? | Illinois Workers’ Comp Lawyers

Did your employer refuse to report your work injury, change the story, or pressure you to say it happened at home? In Illinois, you may still have a valid workers’ compensation case. This guide explains what to do next — and how the workers’ comp lawyers at McHargue & Jones can protect your benefits with…