These voluntary benefits decrease client workers’ comp claims: Report.

Sounds like the accident and disability insurance covers medical payments and a percentage of off work pay. Workers’ Compensation in Illinois covers medical bills, off work pay at 66%, and payment for the injury itself. Under the accident and disability plain injured worker does not get a settlement. The law still protects the injured worker and you can get paid a settlement, however you must ask for it and get a lawyer if you are denied.