If you’ve been injured on the job in Illinois, you may have heard about the workers’ compensation system, but you may not know many details about how it works. The workers compensation in Illinois is a “no-fault” system, which means that any worker who has been hurt on the job is entitled to workers compensation benefits. Simply put, if you have been hurt on the job, you are entitled to workers’ compensation benefits no matter whose fault the accident was.
A no-fault insurance system, such as workers’ comp, works by paying claims regardless of who is to blame for an accident. This provides an important layer of protection for injured workers, sparing them from having to through additional litigation and the through the additional burden of proving who was at fault before receiving benefits.
In fault-based states, finding out who is to blame is crucial to receiving compensation. Parties involved in an accident must prove the fault of an opposing party before any payments will be made. The benefit to no-fault systems is that claims can be processed much more quickly given that there’s no burden of proof or lengthy dispute over who bares blame. This helps victims receive the benefits they need sooner and with much less hassle.