Workers Compensation Illinois

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Illinois Workers Compensation at a Glance

  • Illinois Workers’ Compensation Requirements

    Illinois requires employers to carry Workers' Compensation in nearly all cases, including for businesses with only one employee and even if that employee is only part-time. In most cases, sole proprietors or partners in high-risk occupations are also required to carry Workers’ Compensation coverage in Illinois.

  • Exceptions for Illinois Workers’ Compensation

    A sole proprietor, partner, or corporate officer, may opt out of Workers' Compensation coverage in Illinois in some cases. However, special rules may apply for construction businesses, trucking businesses that visit construction sites, and other hazardous occupations.

  • Keep your employees informed about your coverage status

    Illinois employers are required to post a notice in the workplace that explains basic coverages provided by Workers’ Compensation. Employers are also required to keep records of any work-related injuries and to report any work-related injuries involving more than 3 lost work days.

  • Avoid penalties for Illinois Workers’ Compensation

    Illinois can impose penalties upon employers that do not comply with Workers' Compensation requirements, including felony charges with fines of up to $25,000 and possible imprisonment. Civil penalties may also be imposed for every day the business lacked required coverage, with a minimum $10,000 fine for non-compliance.

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Frequently Asked Questions

How much does Workers' Compensation pay employees in Illinois?

Workers' Compensation temporary disability benefits pay 66% of the worker's average weekly income, up to a maximum amount set by the state which is updated every 6 months. Temporary disability benefits are available through Workers' Compensation once an employee has missed 3 days of work.

How much is Workers' Compensation in Illinois?

Rates for Workers Compensation in Illinois vary based on the type of industry, safety record, and the payroll. Employers in higher risk industries can pay higher rates. However, because other factors such as claims history and payroll are considered, similar types of businesses can pay different rates. CoverWallet’s team can help you with a quote.

Where Do Illinois Employers Purchase Workers' Compensation?

Employers in Illinois can purchase coverage for Workers' Compensation locally or online through a portal such as CoverWallet, which can provide Workers' Compensation coverage as well as other types of policies essential to Illinois businesses.

What does it mean that Illinois is state funded?

About half of all states make available a separate insurance fund for Workers' Compensation coverage, which usually competes with private insurers in the market and often becomes the insurer of last resort for difficult-to-place coverage. Currently, Illinois does not offer a state fund. However, pending legislation may change that status in the future.

What does Illinois Workers' Compensation require of employers?

If an employee is injured on the job and misses more than 3 days of work, the employer is required to report the accident to the Workers’ Compensation Commission. A notice explaining what to do in the event of a work-injury should be posted in a conspicuous area in the workplace.

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References for Workers Compensation in Illinois

Being a small business presents several challenges that may need more assistance. While CoverWallet provides you the best insurance, you can also consider these references to further support your small business:

Illinois Workers' Compensation Commission

100 W Randolph St Suite 8-200 , Chicago, Illinois, 60601
Mon through Fri from 8:00 AM to 5:00 PM
(312) 814-6611
Visit the website

Illinois Department of Commerce

100 W. Randolph Street, Suite 3-400, Chicago, IL, 60601
Mon through Fri from 8:30 AM to 5:30 PM
(800) 785-6055
Visit the website

The content provided on this page is intended for general information purposes only and is not represented to be error free nor is it intended to constitute an offer, inducement, promise or contract of any kind for you to rely upon. The information and data linked to by CoverWallet are provided as a courtesy and are not intended to nor do they constitute an endorsement by CoverWallet of the linked materials. To get accurate information for your business and industry we recommend you to contact a licensed insurance agent or attorney.

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