When you’re injured in a work accident, you need your workers compensation benefits fast. If your family relies on your income, you’re under the strain of both your physical injuries and the financial obligations you can no longer fulfill.
As you look for a way to stay afloat, you might find yourself asking how workers compensation works in Iowa. It can get complicated, but with our firm’s help, you can get on the right track in no time.
Who Can Receive Benefits?
Fortunately for Iowa workers, almost every employee is covered under Iowa work comp laws. Indeed, there are only a few exceptions to this law, such as some domestic workers and independent contractors who aren’t automatically covered.
Generally, though, you are covered if you are any of the following:
An employee in Iowa
Working under an Iowa contract in another state
Working primarily in Iowa
If you’re unsure about your eligibility, contact a lawyer at our firm. We can help you get the information you need.
How Do You Get Benefits?
After your injury, contact your employer quickly. You will have ninety days to report your injury and request benefits. Luckily, though, your employer does much of the work after this point. Employers are required to contact your insurer with your claim.
Most insurance companies should provide an answer to your claim within eleven days of your accident, telling you whether your claim was approved or denied. Once you receive your approval, your benefits, including medical and many types of disability benefits, will start shortly after.
What Happens if a Work Comp Claim is Denied?
Not every claim is immediately approved, and if your claim is denied, you may need help from our firm.
Denials often come from a lack of evidence or information. When you get your denial, your insurance company should list the reasons. You will likely need more exams or evidence of your serious injury. For example, your employer or insurer might not be sure that your accident happened at work, which will require additional evidence to prove. Fortunately, an Iowa work comp lawyer can help with that.
How Can We Help?
If you have questions about your claim, or if you have been denied and need help, our firm is ready to fight for you. We know how tough it is to get the workers compensation benefits you need. At Pothitakis Law Firm, PC, we can guide you through the process.
If you still have questions about how workers comp works in Iowa, give us a call for a free consultation. We can be reached at 1-888-329-0243 or through the contact form below.