Workers compensation laws protect workers in Iowa. The state’s Workers Compensation laws require the employer to pay benefits to eligible workers who are injured in the course of performing a job.
According to Iowa law, an injury includes a broad range of health impairments that arise from employment activities. A disease or hearing loss may also be an injury if the worker suffers either from job activities or on-the-job environmental exposures. Iowa workers comp doesn’t protect workers suffering from a pre-existing disease or injury unless performance of job activity aggravates or worsens the condition.
Iowa Workers Compensation Eligibility
According to the Iowa Division of Workers Compensation, an injured worker may be eligible for workers comp benefits if he or she suffers a job-related illness or injury in the state.
Not all employees are eligible for workers comp benefits. Independent contractors, limited liability company (LLC) partners or members, and proprietors are considered exempt from state workers compensation law. However, these types or workers may purchase a workers comp policy from a licensed insurance company or agent.
Workers Comp and Medical Care
An employer has the right to select the injured employee’s medical care in many instances. If the injured worker is dissatisfied by the quality of care received, he or she should inform the insurer or employer as soon as possible. It’s possible for the injured worker to ask the employer to make alternate medical care arrangements.
If the insurer or employer doesn’t permit alternative medical care, the injured Iowa worker may ask the state workers comp commissioner for another medical provider. For instance, if the insurer retains a physician and, upon examination, assigns an impairment rating that’s too low, the worker may request a second opinion consultation with a physician of his or her choice. The employer must pay for the second medical opinion.
Workers Comp Dispute Resolution
Most, but not all, workers comp disputes are resolved when the injured worker, insurer, and employer discuss the issues at hand. Some workers compensation disputes must be heard by the state workers compensation board.
Although the injured employee isn’t required to engage a workers comp attorney for the hearing, legal counsel protects his or her rights. If the workers comp case is being contested or if communications between the parties has broken down, the workers comp lawyer is an essential partner.