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How does workers’ compensation insurance work?

When an employee suffers a debilitating injury in a workplace accident, he or she will also likely face some financial challenges. For most Iowa residents, their jobs are their only source of income, so not being able to work means no money coming in. A loss of wages combined with unexpected medical expenses is enough to leave any person in financial ruin. Thankfully, most employees have access to workers’ compensation insurance to help overcome such hardships. But how exactly does workers’ compensation work?

Fortunately, workers’ compensation benefits are provided regardless of fault, so injured employees do not need to sue their employer to be compensated. Even if an employee’s own carelessness caused their injury, he or she will usually still be eligible for workers’ compensation. Of course, there are some exceptions. Depending on the state, these can include injuries suffered while violating company rules or policies, self-inflicted injuries and injuries suffered while committing a crime.

Workers’ compensation also covers injuries caused by occupational diseases, such as asbestos. The benefits that workers receive are also determined by the state in which they are employed. However, these types of benefits are usually provided: disability pay, medical coverage, death benefits and vocational rehabilitation.

Without question, workers’ compensation benefits can be a financial lifesaver to employees who suddenly find themselves no longer able to work. However, any mistakes in the claim filing process could lead to a denied claim. Also, the legal challenges often make the process of obtaining these benefits quite frustrating. Those who have questions about workers’ compensation or wish to file a claim should consider professional guidance. A knowledgeable attorney can answer questions and help individuals throughout this confusing process.