When you come down with a work-related illness or are injured on the job, you are probably concerned with how you’ll continue to support yourself and your family if you can’t work, even temporarily. That’s what workers compensation insurance is for.
Workers comp should give you peace of mind that, if you become unable to do your job because of a work injury, you’ll be protected. Most workers in Iowa are entitled to work comp benefits. For more information about your Iowa workers comp rights, see below.
Requirements for Coverage
Nearly every employer in Iowa is required by law to provide workers compensation coverage to employees. However, some employees cannot apply for workers comp, including police officers and firefighters who have access to a pension and certain agricultural industry workers whose employers don’t have a significant annual payroll.
If you were previously unsure whether your employer provided workers compensation benefits to those in need, it’s safe to assume that you will be protected in case of an emergency.
Criteria for Eligibility
Because almost all employers have to provide workers comp insurance coverage, the only criterion for eligibility in Iowa is that your injuries must have occurred on the clock while you were on performing your work duties.
Certain exclusions do apply. For instance, if you did not provide adequate documentation or notify your employer within the ninety-day time limit, your claim could be denied. Other instances that would warrant a denial of benefits could be if you were in violation of company policies or committing a crime when you were injured.
Covering Your Medical Expenses
Suffering an injury or illness at work entitles you to coverage for the medical costs associated with that illness or injury. Workers comp benefits should cover the costs of any hospital bills you may have incurred, prescription medications, physical or occupational therapy, transportation to and from doctor visits, copays, and any other relevant medical treatment you received due to your injuries.
Income While You’re Unable to Work
In addition to coverage of your medical expenses, you have the right to supplemental income to support yourself and your family while you are unable to work. The amounts vary based on your income and the severity of your injuries, but they have a maximum weekly limit of around $1,500 or 80 percent of your income.
Appealing a Valid Claim
If you were denied in your claim for Iowa workers comp benefits, you have the right to appeal the denial. The letter you received should have stated a specific reason for your denial.
If you were refused benefits because you didn’t provide enough supporting documentation, we can help you gather the information the insurer is requesting. Other reasons for denials can be refuted in a similar way. Wrongful denials that have been appealed may need to be dealt with in a court of law.
Get Help from an Iowa Workers Comp Lawyer
Dealing with a workers compensation insurance provider for a work injury can be a complicated process, and you may be unaware of your rights. If you are interested in getting help securing your benefits, speak with an Iowa workers comp lawyer.
At Pothitakis Law Firm, PC, we prioritize the needs of our clients above all else. To schedule your free consultation, fill out the form at the bottom of this page or give us a call at 1-888-329-0243.