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October 22, 2020

Are Employers Required to Have Workers Compensation Insurance in Iowa?

When you’re hurt in a work accident, your workers comp benefits should help you recover. However, you might find yourself worried whether you are eligible or whether your company even carries this type of benefits. If you haven’t been informed about your workers comp rights, you might wonder, “Are employers required to have workers compensation insurance in Iowa?”

Your lawyer at Pothitakis Law Firm, PC can help you answer questions like this. If you’re not sure what your next step is for your compensation, reach out for more information about workers comp requirements and your claim. 

Workers Comp Requirements in Iowa

When you’re injured in Iowa, it’s important to know where your compensation for your physical recovery will come from. You need your medical care expenses covered, and you need compensation for your injuries while you’re recovering. Is your employer required to carry insurance for you? 

The good news is that the majority of employers in Iowa are required to carry workers comp insurance. Typically, if they’re a business with employees, they must carry workers compensation insurance. 

In addition to the insurance, they’re also required to notify employees of this coverage. Typically, this means posting signs and information about workers compensation benefits in shared spaces, such as the break room. If there’s no break room available, the information should be distributed in other ways.

Exceptions for Workers Comp Coverage

However, that doesn’t mean that every worker is covered. Some workers may not get their benefits directly from their workplace, and others may not be eligible for work compensation benefits at all

For example, if you’re a police officer or firefighter, you may not have the option for workers comp through your workplace. Instead of workers comp, you have access to a pension plan, which works much like workers compensation. Other workers, such as federal employees, might receive compensation from other agencies, as well.

However, there are some workers who have no options for workers comp. Agricultural exchange laborers or casual employees who make less than $2,500 per year may not be eligible for workers comp. Instead of benefits through your employer, though, you may be eligible for a lawsuit. Even if you don’t have work comp benefits, your work comp attorney can help you get compensated by the responsible party.

Connect with a Work Comp Lawyer about Your Coverage

If you’ve suffered because of a work injury, you may be entitled to workers comp benefits for your losses. Unfortunately, you might not have coverage or, worse, you may have already been denied the coverage you need for a financial recovery. 

At Pothitakis Law Firm, PC, we understand that not everyone has an easy time getting their workers comp benefits. Many people struggle with workers comp denials, for example. If this resembles your situation, you may have grounds to appeal your denial or seek compensation from your employer. 

If you’re ready to seek your workers comp benefits, your attorney can help, starting with a free consultation. Reach out by calling 319-754-6400 or by completing the following online contact form.

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