Temporary Disability Benefits Through Workers' Compensation

If your disability is the result of a work-related injury or illness, you may be eligible for benefits under Illinois Workers' Compensation. Here’s how to apply:

• Report the Injury or Illness to Your Employer
• Notify your employer immediately after the injury or when you become aware of the illness that is preventing you from working. Illinois law requires you to report your injury or illness within 45 days of the incident. Failing to report on time may affect your eligibility for benefits.
• Seek Medical Treatment
• Make sure to get medical treatment for your injury or condition. Your employer may provide a list of doctors, but you have the right to choose your own healthcare provider for the initial treatment. The medical records will be crucial to your workers' compensation claim.
• File a Workers' Compensation Claim
• Once you’ve reported the injury and sought medical treatment, you will need to file a workers' compensation claim. This is typically done through your employer or their insurance provider. The claim should include:
• A description of the injury or illness.
• Medical records and documentation.
• Proof that you are unable to work due to your condition.
• Waiting Period for Temporary Disability Benefits
• In Illinois, there is typically a three-day waiting period before temporary disability benefits begin. If your disability lasts more than 14 days, you can receive benefits for the entire period, including the waiting period.
• Receiving Temporary Disability Payments
• Temporary disability payments through workers' compensation are typically two-thirds of your average weekly wage, up to a maximum limit set by Illinois law. These payments continue as long as you are unable to work or until you reach a point where your condition improves.

Temporary Disability Benefits Through Workers' Compensation

While Illinois does not have a state-run Temporary Disability Insurance program, you may still be eligible for temporary disability benefits through a private insurer or employer-provided benefits. Here's what you need to do:

• Check if You Have TDI Coverage
• Some employers in Illinois provide Short-Term Disability (STD) Insurance or temporary disability benefits to employees as part of their employee benefits package. Check with your HR department to find out if your employer offers this coverage.
• File a Claim with Your Insurance Provider
• If your employer offers TDI coverage, contact your insurance provider to initiate the claim process. You’ll need to provide:
• Medical documentation from your healthcare provider showing that you are temporarily unable to work.
• Proof of your condition and your ability to work.
• Any required forms from the insurance company or employer.
• Benefit Amounts and Waiting Period
• Benefit amounts and waiting periods vary depending on the insurance provider and employer’s policy. Typically, TDI benefits cover a percentage of your weekly wage (often around 50-70%) for a specific duration of time (usually up to 6 months). Be sure to review your policy for specific details.

What If Your Application Is Denied?

If your application for temporary disability benefits is denied, either through workers' compensation or a private insurance policy, you have the right to appeal the decision. You may need to provide additional evidence or clarification from your doctor to support your claim. It’s helpful to have an experienced attorney by your side to guide you through the appeals process.