If you are injured in a workplace accident, then you'll likely face some financial hardship. Although you may have some paid time off built up, it may not be enough to cover the amount of time you'll be away from work. This means that you might end up losing wages during a time when you have to absorb unexpected medical expenses. This hardship can be difficult to overcome, particularly if you don't have significant savings.
Fortunately, Iowa residents may be able to recover workers' compensation benefits. If successfully obtained, you may be able to recover up to 80 percent of your income after taxes, depending on your condition. Other factors can play into the amount you can receive through the system, but the maximum recoverable amount for those deemed to have a permanent partial disability is $1,583 a week. Those who suffer from a temporary total disability or a permanent total disability can recover up to $1,720 a week. This latter amount is the maximum that can be recovered through workers' compensation death benefits, too.
However, in addition to these benefits, you may qualify for additional compensation to help you recover from your work-related injury. For example, vocational rehabilitation benefits may be awarded to you at an amount of $100 per week for as long as 13 weeks, a period of time that may be renewable. These benefits are meant to assist you in obtaining the care you need to get back to work.
Workers' compensation benefits can be a financial lifesaver to those who suddenly and unexpectedly find themselves unable to work. However, the process of recovering these benefits can be fraught with legal challenges. Any missteps could lead to a denied claim, further extending your financial instability. Therefore, before proceeding with a claim, or when facing a claim denial, you may want to obtain the professional guidance you need to make informed decisions.