Iowa Workers' Compensation Laws
Home to the nation's first female lawyer, the actual inventor of sliced bread, and iconic actor John Wayne, Iowa has a lot to be proud of. The state also takes great pride in its workforce and therefore requires employers to purchase workers' compensation insurance, which covers work-related injuries and illnesses regardless of fault. If you've been injured or fallen ill, and believe it's work-related, you'll need to know about your rights and responsibilities for pursuing workers' compensation in Iowa.
The table below outlines key aspects of the workers' compensation laws in Iowa, including some types of benefits and important deadlines.
|Some Types of Benefits||
Who Is Covered by Workers' Compensation?
In Iowa, most employees injured in the state are eligible for benefits. Even if they are injured outside of the state, workers may still receive compensation if they were hired in Iowa or their employment is principally located in Iowa. Some types of workers -- such as independent contractors and domestic workers making less than $1,500 per year -- are not automatically covered.
Injured? See a Doctor and Tell Your Employer
If you're sick or injured, you should get medical attention and tell your employer or supervisor as soon as possible. If you don't give notice to your employer within 90 days, you risk losing your benefits altogether. Your employer then has four days to submit a first report of injury or illness to the Workers' Compensation Commissioner. Additionally, your employer has the right to choose your medical provider, although you may file a petition for alternate care.
What Should I Do if There's a Problem with My Claim?
In exchange for workers' compensation, you generally give up your right to sue your employer. However, if your claim is denied or there is a dispute regarding benefits, you do have options, including the following:
- Request an evidence-based explanation from your employer and insurance company;
- Contact a Workers' Compensation Compliance Administrator to discuss the issues; or
- File a contested case proceeding before the Iowa Workers' Compensation Commissioner (many employees are represented by an attorney during these proceedings)
Seeking Compensation after an Injury? Receive a Free Claim Review from an Iowa Attorney
Workplace injuries can result in medical bills, lost wages, and a whole host of other headaches. The benefits of workers' compensation can alleviate some of that stress, but you'll need to navigate the deadlines and paperwork first. If you've suffered a workplace injury or illness, let an attorney familiar with Iowa's workers' compensation laws provide a free claim evaluation of the strength of your case.