For the majority of Iowa residents, their jobs are their livelihood. Wages earned from employment are how they support themselves and their families. However, when a person suffers an injury, he or she may no longer be able to work and earn a living. Fortunately, most workers in the state of Iowa who suffer a work-related injury or illness have the option to file for workers’ compensation benefits to replace their wages and also help cover medical expenses.
Here’s some helpful information about filing a workers’ compensation claim in the state of Iowa.
First step to filing a claim
Any worker who suffers an injury and wishes to file a workers’ compensation claim should notify his or her employer as soon as possible. However, it is required that the employer be notified within 90 days of the incident. The employer will then need to complete a written report about the incident and take the report, along with medical verification of the injury, to their insurance provider. For the best chance of a successful claim, those who are filing for workers’ compensation should make sure to comply with all requirements.
Types of benefits
The benefits that an individual receives will fall into two primary categories: medical benefits and disability benefits. Medical benefits help pay for necessary medical treatment related to the illness or injury and may also include transportation expenses. Disability benefits are wage replacement benefits. However, these cannot exceed 80% of the claimant’s weekly spendable earnings.
Although filing for workers’ compensation is quite common, the process is not always straightforward and often gets confusing. Those in Iowa who suffer a work-related injury or illness and want to file a claim for workers’ compensation benefits may want to consult a legal representative. A knowledgeable attorney can answer questions, clear up any confusion and guide individuals through the claims process.