One common question we hear from injured workers is:

“Is the impairment rating from the company doctor the only factor used to determine my Industrial Disability?”

In almost all cases, the answer is no.

Impairment Ratings vs. Industrial Disability

While a doctor’s impairment rating—such as a 5% body impairment for a back injury—may be considered, it is not the final word. Industrial Disability is a broader legal concept based on your long-term ability to earn a living.

Importantly, insurance companies and doctors do not decide Industrial Disability. That responsibility lies with the Iowa Workers’ Compensation Commissioner, or it may be settled through negotiation.

What Factors Are Considered?

Several factors go into determining Industrial Disability, including:

• Your age and education
• Work history and transferable skills
• Permanent restrictions from the injury
• Location and severity of the injury (e.g., back, neck, shoulder)
• Ability to return to work
• Actual loss of earnings

Even the conduct of both you and your employer after the injury—such as efforts to return to work—can affect the outcome.

Every Case Is Different

Two people with the same impairment rating may receive very different Industrial Disability outcomes, depending on how their injuries affect their specific work abilities and earning potential. That’s why a doctor’s rating alone doesn’t tell the full story.

Talk to an Attorney Before You Accept Less

If you’ve been told your impairment rating is the only thing that matters, it’s time to get a second opinion.
Contact LLDDC Law today for a free consultation. We’ll review your case, explain your rights, and help you pursue the full compensation you deserve under Iowa law.