No one wants to be injured on the job. Now that you have, it’s time to focus on what you need to do after you’ve been injured. You have options that you might not know about. First, you are probably worried about how you will provide for yourself and your family if you’re unable to work due to your injuries.
That’s where workers compensation comes in. You’ve probably heard of workers compensation, sometimes called workmans comp. Workers comp is an insurance program that employers use to protect their workers financially. The law mandates most employers to obtain this insurance.
When you’ve been hurt, you could be entitled to financial compensation for lost wages, medical expenses, household services expenses, and disability. In the event of a worker’s death on the job, the family could receive death benefits.
How Workers Compensation Works
When you’ve been hurt, there is a path you must follow to receive financial compensation in Iowa, often called a settlement. If your claim is denied, you won’t receive a settlement. If your claim is approved or partially approved, you should receive financial compensation.
The process starts when you inform your employer that you’ve been hurt on the job. You should gather evidence to prove that your injury happened at work because you will have to prove this to the insurance company.
This is one of the only elements you must prove to the insurer because you can receive workers compensation payments even if you were responsible for causing your own work-related injury.
You have to prove that your injury occurred at work, and you must also prove the extent of your injuries and how much your medical expenses cost. You can use medical evidence to prove these elements. For instance, you can use x-rays, doctors notes, medical reports, and receipts or invoices to prove these elements of your claim.
Do Insurers Deny Claims?
The only time you won’t receive a settlement from the insurance company is if it denies your claim. Otherwise, you can receive a settlement to pay for your injury-related losses. Even if an insurance company denies your claim, you shouldn’t give up without first talking to a lawyer.
You might still have a case, but you may need some help proving your claim or proving your injuries.
Get in Touch with a Workers Comp Lawyer in Iowa
Proving your claim could be difficult, so it’s advisable to get an attorney’s help. Your attorney can help you prove that your accident occurred at work. They can advise you on how best to proceed after your accident as well as what steps are mandatory when filing a workers compensation claim in Iowa.
To get your questions answered and increase your claim’s chances of ending in a settlement, reach out to a lawyer for help. Dial 319-754-6400 to talk with an Iowa workers comp lawyer at Pothitakis Law Firm, PC. You can also fill out the form below to reach our firm. Either contact method will get you a free consultation.