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What’s not covered by workers’ compensation insurance?

Every year, thousands of American workers suffer injuries that prevent them from performing their job duties. It is a great relief for employees in Iowa to know that they have access to workers’ compensation to provide medical coverage and wage-loss benefits. However, there are certain situations and injuries that are not covered under workers’ compensation.

One situation that may not be covered by workers’ compensation insurance involves the “coming and going” rule. Employees who have a fixed place of employment, like an office or job site, are not covered when they are traveling to and from work. However, an employee would be covered if he or she is traveling for business outside of the office or job site or if the employee has no fixed employment site.

These days, more and more people are working remotely or from home, and it is often questioned whether these types of employees are covered by workers’ comp insurance. Generally, employees that work from home will be covered for injuries that happen during business hours. It can be difficult to deny coverage on a case when an employee is injured at home since it is often difficult to prove that the worker was not in the scope of employment at the time.

Workers’ compensation insurance provides vital protection for thousands of employees in Iowa. Those who have questions regarding any aspect of workers’ compensation benefits may want to consider discussions with a legal representative. A seasoned and knowledgeable attorney can answer questions and provide much-needed guidance to any worker who may be confused about this process.