The wages of a full-time job are what many Iowa families count on for their sustenance and livelihood. However, full-time employment is not only about the pay, it’s also about the numerous benefits that come with it. These benefits include health and dental insurance, paid time off, retirement plans and workers’ compensation. If an employee is unable to work due to an on-the-job injury, workers’ compensation insurance would allow the employee to keep medical coverage and income. Here’s what to do to obtain and utilize workers’ compensation benefits.
Any worker who suffers an on-the-job injury must go see a physician, even if the company has medical professionals on staff. The insurance companies that handle workers’ compensation insurance will usually require extensive proof of diagnosis and treatment of the injury. Those who are filing a claim must also meet the deadlines. Deadlines usually vary by state. However, missing a deadline will likely guarantee a workers’ compensation claim rejection.
It may also be required to prove that an illness or injury is work-related. To ensure a proper investigation, always file an incident report with an employer. Also, while recovering from an injury, keep all paperwork received from doctors and insurance providers, as many employers require this documentation when returning to work.
Although filing for workers’ compensation is a fairly common practice following a workplace injury, it’s not always an easy process. Those in Iowa who want to know more about filing for workers’ compensation could benefit by consulting a knowledgeable legal representative. A seasoned attorney can provide clarity and guide individuals through the confusing process.