If you are injured while performing your job duties, Illinois law entitles you to workers’ compensation benefits. The system was designed to provide injured employees with medical care and wage replacement, offering security at a difficult time. Unfortunately, it doesn’t always work as smoothly as intended. Many injured workers find themselves fighting for proper treatment, facing delays, or being pressured to return to work before they are ready.

One reason is that workers’ compensation insurance companies are motivated to save money – not to pay full value on claims. Insurance adjusters are trained to minimize payouts, and they use a variety of tactics to do so. Understanding these tactics can help you protect yourself.

Common Tactics Used by Insurance Adjusters

1. Digging Into Prior Claims
Adjusters often go back through your history looking for past claims. Their goal is to argue that your current injury isn’t really new, but just part of an old problem—so they can pay you less.

2. Blaming Pre-Existing Conditions
If you’ve ever had a medical issue before, expect the insurance company to point fingers. They may claim your pain or limitations come from that condition rather than your workplace accident.

3. Throwing Out Lowball Offers
It’s not unusual for the first settlement offer to be far below the true value of your claim. This is a classic tactic to see if you’ll accept quick cash instead of the full compensation you deserve.

4. Sending You to Their Doctors (IMEs)
Independent Medical Exams aren’t always so “independent.” Insurance companies choose the doctors, and those doctors often minimize your injuries or claim you’re fit to return to work too soon.

5. Questioning Your Treatments
Even when your doctor recommends MRIs, physical therapy, or surgery, adjusters may try to say those treatments aren’t necessary. It’s a way to avoid paying for the care you genuinely need.

6. Arguing Comparative Fault
Finally, adjusters may try to shift part of the blame onto you, suggesting your own actions contributed to your injury. The strategy is simple: reduce their responsibility, reduce your payout.

How to Protect Yourself

Be Cautious with Insurance Representatives
Do not answer personal questions, provide recorded statements, or sign documents without consulting an attorney.

Don’t Accept Lowball Offers
If an offer feels too low, it probably is. Always get a professional opinion before agreeing to a settlement.

Get Legal Advice
An experienced workers’ compensation lawyer can help you navigate the process and ensure you are treated fairly. The insurance company’s goal is to save money; your attorney’s goal is to protect your rights.

If you’ve been injured at work, don’t let the insurance company take advantage of you. Call Krol, Bongiorno & Given at (312) 726-5567 for a free consultation, or contact us online. Our experienced Illinois workers’ compensation attorneys are here to explain your rights and fight for the benefits you need.