Workers' comp may cover more than just your physical injuries.
Hibu Websites • March 31, 2021
Workers' comp may cover more than just your physical injuries.
28 Oct, 2016
If you have been exposed to traumatic situations while on the job that have resulted in severe emotional distress, you may be entitled to workers' compensation. Injuries can come in many different forms, and some are more obvious than others....
If you have been exposed to traumatic situations while on the job that have resulted in severe emotional distress, you may be entitled to workers' compensation. Injuries can come in many different forms, and some are more obvious than others. However, emotional and mental injuries are a serious matter and they can easily impact your day-to-day life.
What is emotional distress?
Under Iowa's workers' compensation laws, emotional distress is a result of physical injuries sustained in a work-related incident or other employment circumstances. Work related injuries, such as the loss of a limb or exceptionally intense levels of stress, can absolutely result in serious and prolonged emotional damage. Emotional distress can come in different forms, but it is often displayed in the forms of depression and/or post-traumatic stress disorder (PTSD). Under the law, emotional distress is considered an injury and some injuries may develop over a long period of time. Therefore, it is possible that emotional and mental injuries did not necessarily develop as a result of any one traumatic and specific experience.
How do I prove my emotional distress?
After an accident, medical experts are consulted to verify the existence of any mental illnesses or psychological trauma. Moreover, those same medical experts are often given the task of proving that there is a legitimate connection between that distress and the working environment. This is required, as the emotional or psychological injury must be related to employment. It cannot be the product of other life circumstances.
How do I get compensated for emotional distress?
Over recent years, there has been a rising awareness of emotional and mental health issues and their effect on our lives. According to Iowa law
, emotional distress, if proven, is legally treated like any other work related injury and is therefore covered under general workers' compensation benefits.
If you suspect you may be suffering from emotional distress as a result of a work-related event, treat it as you would a physical injury and get help.

When it comes to car insurance, many people think primarily about liability coverage—insurance that covers others if you’re at fault in an accident. However, underinsured motorist (UIM) coverage is equally important, as it protects you if an accident leaves you injured by a driver with inadequate coverage. What is Underinsured Motorist Coverag e? Underinsured motorist coverage is designed to safeguard you and your family from the financial burden of an accident caused by a driver who doesn’t have sufficient insurance to cover your damages. Here’s how it works: Imagine you’re at a local Des Moines sports event. After parking, you’re walking across the lot when a vehicle accidentally hits you, causing injuries. If that driver has no insurance or only minimal coverage, their policy may fall far short of what you need to cover medical bills, lost income, and other expenses. Underinsured motorist coverage on your own policy steps in to fill the gap, helping you recover the full amount necessary to cover your damages. This protection applies whether you’re in your vehicle or, as in this example, outside of it—what matters is that your injuries resulted from the actions of an underinsured driver. How Much Underinsured Motorist Coverage Should You Carry? The amount of underinsured motorist coverage you carry is a personal choice, but it’s worth considering a higher limit. In Iowa, insurance companies are allowed to sell this coverage with a minimum limit of $20,000 per person. However, relying on minimum coverage could leave you financially vulnerable in a serious accident. Insurance agents often recommend high liability limits to protect others in case you cause an accident but may suggest lower UIM coverage to keep your costs down. Yet, underinsured coverage is specifically for your protection and the well-being of your loved ones. It doesn’t make much sense to carry more coverage for others’ injuries than for your own, yet this is common due to the way policies are structured. Reviewing Your Policy: Are You Adequately Protected? Take a moment to review your policy or discuss it with your agent to ensure you’re not underinsured. Here are a few questions to consider: • Does my underinsured coverage match my liability coverage? If not, you might want to ask why, especially if your liability limits are significantly higher. • Would my current underinsured coverage be enough in a serious accident? Consider your financial situation, family needs, and potential medical costs to make sure your coverage is sufficient. If you find that your uninsured/underinsured coverage is significantly lower than your liability coverage, it might be time to ask questions and re-evaluate your options. Prioritizing adequate underinsured motorist coverage is an investment in peace of mind, ensuring that you’re better protected, no matter who is at fault in an accident.
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