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Workers Compensation Terminology

11 Important Terms for Understanding Worker's Comp Laws in Illinois
Workers Compensation

The firm of Harvey and Stuckel presents to you a quick guide on the legal terms used for workers compensation. We believe that every worker has the right to know these terms so that in the event of an accident or instance where they would need to involve themselves in the case of a claim, no one would be at a loss.

We also feel that it is every worker's right to be protected from the hazards that come with their tasks, and that employers should be aware of their responsibilities.

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Workmans Comp Terms

Workers compensation in Peoria has helped many workers get through difficult ordeals after experiencing an accident in the workplace. Illinois' worker's compensation laws utilize some common technical terms that every small business owner or employee should know.

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This glossary is a reference to everyone who needs to familiarize themselves with the concepts that are involved in workers compensation and claims. Here are 11 terms to be familiar with:

  1. Average Daily Wage (ADW) – is the computation of an injured worker's average daily earnings. It is used to determine entitlement to wage loss benefits following an injury, particularly if a weekly wage would not be an accurate representation of the employee's earnings. 
  2. Average Weekly Wage (AWW) – is another method used to compute entitlement to wage loss benefits. The average earnings, by week, for a fixed period of time are calculated and wage loss benefits are computed according to that amount. 
  3. Independent Medical Examination (IME) – is a process performed to check on the condition of an injured worker. In many cases, an employer and insurance company will want to have an injured worker be checked by a particular physician in order to obtain an objective evaluation of the employee's condition.

    In these cases, the worker in question may initially be seen by a company physician or a physician of their own choosing. However, if litigation commences over the extent of the worker's injuries, or when the court wants to check whether the worker has obtained any injury at all, the employer and insurer will likely be entitled to require the worker in question to appear for an IME with a physician of their choosing.

    Related article: Employment Law in Peoria IL

  4. Permanent Partial Disability (PPD) – are benefits payable to a worker who has sustained a permanent, but not complete, disability in most jurisdictions. There are many state statutes that have pre-set values for a variety of different PPD injuries involving specific body parts or conditions. 
  5. Permanent Total Disability (PTD) – are benefits payable to an injured worker who is permanently and totally disabled from work as a result of a work-related accident. 
  6. Physical Therapy (PT) – is a form of medical treatment applied to many injured workers to help them recover from their injuries. On forms or in medical records, a reference to "PT." may be seen, indicating that the worker is undergoing physical therapy. 
  7. Social Security Disability Benefits (SSDI) – are benefits payable to disabled individuals through the Social Security Administration. Many state workers' compensation statutes have specific provisions that dictate whether an injured worker may receive both workers' compensation benefits and SSDI benefits at the same time.

    A certain computation will be performed to "offset" the benefits so that the individual does not receive more money than he or she is entitled to from both programs. 

    Read also: Forms of Workers Comp Benefits
    Paying for Workers Compensation in Peoria IL

  8. Statewide Average Weekly Wage (SAWW) – is a computation of average wages paid to workers in a jurisdiction for a week and is generally used to calculate the minimum and maximum amounts of workers' compensation benefits that an injured worker is entitled to receive. 
  9. Temporary Partial Disability (TPD) – are benefits that are payable when an injured worker is able to resume work despite an injury. The benefits are available only for a limited period of time, recognizing the fact that the worker will be able to recover fully enough in the future and that they will be able to resume employment without a wage loss. 
  10. Temporary Total Disability (TTD) – are benefits available to workers whose injuries leave them totally unable to work for a certain period of time. TTD benefits are no longer payable when the temporary disability clears and the worker is able to resume his tasks. 
  11. Vocational Rehabilitation (VR) – generally includes a number of different services that are offered to injured employees to help them return to work following a work injury. VR may involve transferable skills assessments, educational courses, job search assistance, and many other vocational aids. VR can also refer to occupational rehabilitation. 


Proper Workers Compensation in Peoria

Learn more about the things that matter to you most as a worker. Contact the lawyers at Harvey and Stuckel today if you have any questions regarding work-related injuries and how we can help you with claiming your benefits.

Our primary practice is to offer legal representation for Personal Injury Law in Peoria IL. Read more here.

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