Workers' Compensation Insurance


Workers' compensation insurance is a system of benefits required by law, provided by employers to most workers who have job-related injuries or illnesses.

Workers' compensation benefits are provided by:

  • licensed insurance companies
  • self-insured employers approved by the Illinois Workers' Compensation Commission (IWCC)
  • group self-insurers who have pooled their liabilities

 

Who Must Carry Workers' Compensation Insurance? 

Generally, all Illinois employers must provide workers' compensation coverage for their employees.  IWCC is charged with administering the statutory provisions contained in the Illinois Workers' Compensation Act. 

 

What Does Workers' Compensation Insurance Cover? 

Please refer to the IWCC Handbook on Workers' Compensation and Occupational Diseases

 

How Can the Illinois Department of Insurance Help Me? 

The Department may be able to assist with the following issues: 


Workers’ Compensation Insurance Claim Disputes

If the IWCC makes a ruling on your workers' compensation claim, but the insurance company does not comply with the ruling, contact the Illinois Department of Insurance for assistance. 

You can file a complaint online, download a complaint form to submit by mail, or obtain a complaint form by calling the Department's Consumer Assistance Hotline toll-free at (866) 445-5364.


Workers’ Compensation Insurance Audit Disputes

Premium increases may cause an audit dispute between the employer and the insurance company. If you are an employer who needs assistance in this situation, you can file a complaint with the Department. The Department will investigate to make sure the insurance company is operating in compliance with state insurance laws.

You can file a complaint online, download a complaint form to submit by mail, or obtain a complaint form by calling the Department's Consumer Assistance Hotline toll-free at (866) 445-5364. 


Workers’ Compensation Insurance Fraud

To report workers' compensation fraud – Please visit: Workers Compensation Fraud Unit

Workers' Compensation Fraud Unit
122 S. Michigan Ave., 19th Floor
Chicago, Illinois 60603
877-WCF-UNIT (877-923-8648)
DOI.WorkCompFraud@illinois.gov


Workers’ Compensation Insurance Compliance

The Workers' Compensation Compliance Unit provides information and outreach to employers to ensure that Illinois businesses are aware of, and in compliance with state laws regarding workers' compensation. 

Workers' Compensation Insurance Compliance Unit
122 S. Michigan Ave., 19th Floor
Chicago, Illinois 60603
(312) 814- 8224


Illinois Workers' Compensation Commission (IWCC) Contact Info

Contact the IWCC at (866) 352-3033.

IWCC Regional Office Phone Numbers 

Each regional office can explain the IWCC's procedures and provide materials to assist with workers' compensation claims.

Questions can also be emailed to: wcc.infoquestions@illinois.gov