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Illinois comp bill aims to address "excessive" insurers' profits



A bill introduced Wednesday in Illinois would make several changes to the state workers' compensation code, including introducing protocols for examining insurance premiums and changing how cumulative trauma is covered.

H.B. 218 would amend the article on the employer's liability interest in the Illinois Insurance Act, saying that “a premium is too high if it is likely to yield a profit that is unreasonably high for the insurance provided or if the costs are unreasonably high relative to the services provided. “The bill would create procedures for the insurance director's review of premiums at the request of the insured, which could lead to the repayment of the premium.

The bill would also lead to changes in how cumulative or repeated trauma is covered, enabling current employers to apply for benefits or compensation for care from previous employers. It would also address how multiple spinal injuries need to be treated.

In addition to creating an evidence-based drug form, a national trend in workers' skills, the bill would also make changes to body parts injuries. For example, it would classify work injuries on the shoulder as injuries to part of the arm, and injuries to the hip would be considered injuries to part of the leg.

The bill would explain that "unintentional injuries that occurred during the trip to or from work do not occur from and during employment", according to a draft.

If adopted, the legislation would enter into force immediately.


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