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Can You Collect Workers’ Compensation If You Work from Home? 

Working from home benefits both employees and employers. Employees save the time and expense of the commute to work. While they have to clock in and do a good job, they don’t have a boss constantly looking over their shoulder. Employers benefit too. They save on overhead by needing less office space and by having to pay less for utilities.

According to Global Workplace Analytics, more than half of US workers have a job where they can partially work from home. Due to the COVID-19, many employers and employees are both being forced to work from home.

Not only is it just fair play that employers pay if workers are injured at home, it’s the law. Generally, any employee in Illinois who is injured while doing his/her job is entitled to workers’ compensation benefits if they are hurt while doing their job. Benefits include payment of all reasonable medical expenses and a proportional share of the worker’s average weekly wages.

Types of telecommuter injuries

People who work at home can suffer injuries due to different types of accidents such as:

  • Slips and falls over loose cables, wires, or any part of the house such as loose railing or a torn carpet
  • A fire that causes severe burn injuries
  • Repetitive stress injuries due to computer work or other types of repetitive tasks may be compensable
  • Heart attacks or strokes that occur during work

Issues involved with telecommuter workers’ compensation claims

There are three main issues that workers who are injured at home will need to address:

  • Was the worker an employee? Generally, only employees can claim workers’ compensation benefits. The main test for determining whether a worker is an employee or whether the worker is an independent contractor is – did the employer have control over how the work was done? Signs of control include:
    • The number of hours worked each week
    • Whether the worker was paid by a W-2 or a 1099
    • Whether the worker worked for another employer
    • The skill level required to do the work
  • Did the accident happen at work? “At work” does not mean the accident had to happen at the company plant or office. Many workers such as salespeople are entitled to work injury benefits if they hurt while on the road. Indicators that an at-home worker was working include:
    • The employee was “clocked in” when the injury occurred
    • The employee was in a room or space set aside for work
    • The injury is in line with the work the employee does
    • The employee was completing work for the company at the time of the injury
  • Was the injury due to the accident? Insurance companies will try to argue that the injuries pre-existed the accident or were due to causes other than doing the employer’s work.

There’s no requirement that telecommuters have witnesses to their injuries. There’s also no requirement to prove the employer was at fault for the accident. Some exceptions to the work requirement may apply, in the same way they would apply in an office or a factory, such as if workers is hurt while having lunch.

At Gainsberg Law, our firm’s Chicago workers’ compensation attorney has been fighting for injured employees for 20 years. We fight aggressively to hold employers to their legal requirement to pay worker injury benefits to all employees who are hurt while helping their employer – including telecommuters who work from home. To speak with a skilled workers’ compensation lawyer, call us at 312-600-9585 or use our contact form to make an appointment.