If you have suffered an on the job injury, you may be eligible for workers' compensation. Employees can receive partial pay for lost wages and compensation for medical costs. Here are a few frequently asked questions on eligibility, benefits, coverage...
If you have suffered an on the job injury, you may be eligible for workers' compensation. Employees can receive partial pay for lost wages and compensation for medical costs. Here are a few frequently asked questions on eligibility, benefits, coverage and more.
What kinds of injuries may be covered?
Any impairment other than the normal growth and deterioration of bodily tissues can qualify under the law. Diseases and hearing losses are considered injuries if they result from employment responsibilities. The impairment must result from activities in the course of employment. A local attorney can help determine if your injury is within the ambit of the law.
Employees injured in Iowa who are working under contract in Iowa, or whose employment is localized in Iowa, are eligible for benefits
. Note that some classifications of employees are not covered. An attorney can help you determine if you qualify.
Who selects the care provided?
After an injury, the employer selects care suited to treat the injury. If the employee is dissatisfied, they should discuss it with the employer or insurer.
Note that if the physician foresees permanent impairment, the employee has a right to another examination.
Who pays for the benefits?
Employers must provide insurance via a private insurer. If the employee pays for coverage, the employer pays the premiums. Employers who fail to provide insurance for eligible employees may be liable for either the benefits or damages in a civil action.
Moreover, an employer may not engage in business without obtaining insurance for compensation benefits. Anyone who knowingly and willfully foregoes this is guilty of a class "D" felony in Iowa.
What types of benefits are available?
The law will provide for the payment of any reasonable and necessary medical care needed in order to treat the injury.
Total compensation for an injured employee may not exceed 80 percent of an employee's spendable weekly earnings. According to Iowa's workers' compensation laws, "spendable earnings" equate to the amount of income that remains after payroll taxes are deducted from weekly gross earnings.
To find out more about what to do after an injury, speak with a legal professional about the program and available benefit options.