Healthcare workers compensation in Illinois
Healthcare businesses in Illinois pay a median rate of $0.793 per $100 of payroll, ranging from $0.022 to $9.42. The national median for Healthcare is $0.700, so Illinois sits 13% above the national average. 16 unique NCCI class codes are filed in this state for Healthcare occupations. Verified 2026-05-09.
Top Healthcare class codes in Illinois
The class codes most likely to apply to a Healthcare operation in Illinois, sorted from cheapest to most expensive per $100 of payroll. Click into any code for the full state-by-state rate comparison.
| Code | Occupation | Rate per $100 | Confidence |
|---|---|---|---|
| 8871 | Hospice Care - All Other | $0.022 | HIGH |
| 8855 | Hospice Care | $0.068 | HIGH |
| 7402 | Ambulance Service | $0.092 | HIGH |
| 8805 M | Medical Office Clerical | $0.107 | HIGH |
| 8832 | Physician, non-surgical | $0.290 | HIGH |
| 8869 | Home Health Care - All Other | $0.695 | HIGH |
| 8833 | Hospital, professional employees | $0.718 | HIGH |
| 8831 | Hospital Other Employees | $0.869 | HIGH |
| 8835 | Medical/Dental/Vet Professionals | $1.24 | HIGH |
| 9154 | Home Health Care Services | $1.57 | HIGH |
Illinois compliance for Healthcare employers
Coverage threshold
All employers with one or more employees are required to carry workers' compensation insurance.
1099 vs W-2 in Healthcare
Illinois uses a multi-factor test to determine if a 1099 contractor is an employee for workers' compensation purposes.
Owner exclusion
Allowed in Illinois. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$1,975 at 66.67% of average weekly wage, effective 2025-07-15.
Statute of limitations
3 years from injury date in Illinois.
Audit window
Illinois carriers audit payroll within 90 days of policy expiration. Keep Healthcare payroll segregated by class code and have job-duty documentation ready.
Cross-cite: full Illinois workers comp overview · Healthcare cross-state rate comparison · Illinois workers comp lawyer guide · Illinois settlement chart
Estimate your Healthcare premium in Illinois
Pre-filled to Healthcare and Illinois. Adjust payroll to see a real premium range from filed rates.
Estimate your workers comp premium
Pick your industry, state, and annual payroll. Range comes from real rate filings.
Estimated annual premium for Healthcare in Illinois
$110to$47,095
Median: $3,968 · Rate range $0.022 to $9.42 per $100 payroll
Industry median across all states
$3,500
Cheapest states for Healthcare
- Utah $0.340
- Kentucky $0.390
- Tennessee $0.425
Most expensive
- New Jersey $2.58
- Hawaii $1.25
- New York $0.995
Estimate based on 23 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.
Filing checklist for Healthcare businesses in Illinois
-
Step 1, Confirm coverage threshold
All employers with one or more employees are required to carry workers' compensation insurance. For Healthcare operations, this typically applies once you make a first W-2 hire, even part-time.
-
Step 2, Pick the right class code
Healthcare businesses typically use codes like 8805, 9077, 8831. The wrong code can cost 4 to 10x more or get reclassified at audit. In Illinois, the cheapest code on this list is 8871 at $0.022 and the most expensive is 9154 at $1.57.
-
Step 3, Get a quote
Private carriers write Healthcare coverage in Illinois. Schedule credits up to 25% are typical for low-loss accounts.
-
Step 4, Document subcontractors
General contractors are liable for the workers' compensation coverage of uninsured subcontractors. Healthcare operators with crews of 1099s should keep certificates of insurance for every sub, otherwise the GC absorbs the sub liability at audit.
-
Step 5, Annual audit
Carriers audit payroll within 90 days of policy expiration. Have payroll segregated by class code, job descriptions on file, and overtime properly excluded from rated payroll. Healthcare class allocation can shift if any worker spends more than 50% of time on a different code.
Healthcare workers comp FAQs in Illinois
What is the typical workers comp rate for Healthcare in Illinois?
Healthcare employers in Illinois pay a median rate of $0.793 per $100 of payroll, with rates ranging from $0.022 to $9.42 depending on the specific class code. The national median across all states for Healthcare is $0.700, so Illinois sits about 13% above the national average.
How many Healthcare class codes are filed in Illinois?
Illinois has 16 unique NCCI class codes filed for Healthcare occupations, drawn from 16 state-class code rate cells in our dataset. The most common codes include 8805 (Medical Office Clerical), 9077 (Hospital Operations), 8831 (Hospital Other Employees).
Are Healthcare 1099 contractors covered by workers comp in Illinois?
Illinois uses a multi-factor test to determine if a 1099 contractor is an employee for workers' compensation purposes.
What is the maximum weekly benefit for an injured Healthcare worker in Illinois?
Illinois caps weekly workers comp benefits at $1,975 (effective 2025-07-15), calculated as 66.67% of the average weekly wage. Healthcare workers are subject to the same statutory cap as workers in any other industry.
How long does a Healthcare worker have to file a comp claim in Illinois?
The statute of limitations in Illinois is 3 years from the date of injury. Most claims also require notice to the employer within 30 days. Healthcare workers should report any incident on the date it happens, even minor strains, because cumulative trauma claims can fail without contemporaneous documentation.
Can a Healthcare business owner exclude themselves from comp coverage in Illinois?
Yes, Illinois allows business owners (sole proprietors, partners, LLC members, corporate officers) to file an exclusion election. Healthcare owner-operators often elect out to keep premium below the minimum. Sole-proprietor self-coverage is not required, and LLC member self-coverage is not required.