If you’ve been injured on the job, workman’s comp insurance, provided by your employer, will help ease some of the financial strain associated with treating and recovering from an on-the-job injury. Workers comp insurance is available to employees who work at any type of facility, whether on a part-time or a full-time basis. The coverage also applies to numerous injury types that may occur at a workplace.
Workers compensation insurance is not automatically given to someone who is injured on the job. The injured individual must complete an incident report and there is a ton of additional paperwork to fill out to qualify for Iowa Workman’s Compensation. The paperwork is submitted to the Iowa Department of Workers Compensation where a group of people determine eligibility for the payments. Sometimes claims are denied, at which time it’s beneficial to talk to a lawyer to find out the best steps to take to get the money that you deserve after the injury.
When injured on the job and filing an insurance claim, the employer can choose the physician in which provides the care that you receive for your injuries. Unlike some of the other states, Iowa doesn’t have a time limit in place for the length of time in which you can receive benefits. As long as care is necessary, financial coverage can be provided to you.
Although nothing will ever change the injuries you’ve endured when you are hurt on the job, knowing that workers comp insurance protection is there to help you during the darkest hour provides relief when it is needed the most. You won’t worry about getting the care that you need for your injuries since the costs of doctor visits, lab work, etc. is covered by your employer.