What To Do If Your Workers’ Comp Check Is Late in Illinois
How Often Should Illinois Workers’ Comp Checks Arrive?
TTD checks should come every two weeks like a paycheck. If your claim is approved and you’re off work due to medical restrictions, this schedule is required under the
Illinois Workers’ Compensation Act.
Why Workers’ Comp Checks Are Late
1. Missing or outdated medical notes
The insurer cannot pay TTD without a current work status note. If your doctor didn’t issue one or the insurer didn’t receive it, your check may be paused.
2. Insurance company “review delays”
This happens when adjusters request updated records, scrutinize treatment plans, or look for a reason to dispute the claim.
3. Simple processing issues
Late checks frequently come down to slow payroll cycles, mail delays, or clerical mistakes — especially if checks arrive by mail instead of direct deposit.
4. Strategy: pressure you to return to work early
It’s unfortunate, but true: some insurers intentionally delay payments hoping financial stress pushes you into unsafe work activity.
How to Fix a Late Workers’ Comp Check in Illinois
Step 1: Verify your last medical restriction note
If your doctor hasn’t updated your off-work note, the insurer may claim they can’t legally issue payment. This is the #1 fixable reason for late checks.
Step 2: Ask the adjuster what’s holding it up
Keep it short and simple:
“Has my work status note or medical report been updated in your system?”
If they answer honestly, you can often solve the problem quickly.
Step 3: Document everything
Record:
- Every date you received a check
- Every date one was late or missing
- Every voicemail or email you sent
Step 4: If delays continue — take legal action
A lawyer can:
- Demand immediate payment
- File a 19(b) Petition for an emergency hearing
- Seek penalties if the insurer acted unreasonably
Many times, just having an attorney involved causes insurers to stop playing games and release overdue payments. It’s possible this is late, but they may have stopped your checks or denied the case. This requires serious and swift action.
Know Your Benefits
Understanding what you’re owed helps you spot problems earlier:
- Illinois Workers’ Comp Benefits Overview
- TTD & Payment Calculations Guide
- Using Private Insurance Instead of Workers’ Comp
Don’t Let Late Checks Derail Your Life
We force insurers to follow the law — and pay on time.
FAQ: Late Workers’ Comp Checks
How late is “too late” for a workers’ comp check?
If it’s more than a few days past your regular schedule, something is wrong.
Can the insurance company get in trouble for paying late?
Yes — Illinois allows penalties if delays are unreasonable.
Will hiring a lawyer speed up payments?
Often, yes. Lawyers can pressure the insurer or take them to an emergency hearing.
What if the adjuster never responds?
That’s a sign you need legal representation. Silence is often deliberate.
