The vast majority of Iowa residents maintain a full-time job so that they can pay expenses and provide for their families. This means if an individual is unable to work, he or she can be thrown into major financial turmoil and face ongoing hardships. Suffering an injury due to an unfortunate workplace accident can mean loads of medical bills and time off of work. Fortunately, workers’ compensation benefits were established for this reason. The type of workers compensation benefits an individual needs depends on the injury.
There are basically four different types of workers’ compensation benefits. The first type is medical treatment benefits. Most every worker’s comp coverage includes the medical expenses of the injured employee. The expenses that are covered include hospital and doctor visits, as well as the cost of prescriptions and medical devices.
The second type is a temporary disability benefit. This type of benefit starts on the eighth day of the disability, but the benefits will back date to the first day of the disability if the disability lasts two weeks or longer. The third type of workers’ comp benefits are permanent disability benefits, which can be partial or total. Workers who suffer permanent injuries may be able to collect these benefits. However, the benefit is determined when the injured employee has obtained maximum medical improvement.
If an employee dies due to work-related injuries, his or her dependents may be entitled to death benefits. These include coverage for funeral expenses and loss of wages. The amount of the benefit is determined by the worker’s income and the number of dependents the employee left behind. Every year, thousands of workers around the country suffer work-related injuries. Iowa residents who have questions or concerns about workers’ compensation benefits can obtain much-needed guidance by contacting an experienced and knowledgeable attorney.