What You Need To Know About Being Compensated In Iowa
If you’re an injured worker in Iowa, you may benefit from a review of some frequently asked questions about workers’ compensation. Workers compensation law is defined by Iowa Code (Chapters 85 to 87, plus Chapter 879 of the state administrative code).
Workers compensation law in Iowa requires most employers to offer benefits to their eligible employees when injuries arise in the course of employment.
What Injuries Are Covered by Iowa Workers Compensation?
According to Iowa law, an injury is broadly defined to include health impairments other than those involving the natural build up or break down of the body over time. The impairment must occur because of the injured worker’s employment activity.
If the worker has hearing loss or disease, these may be considered as injuries if they result from employment activity or exposure. An employee isn’t entitled to receive employee benefits if he or she has a pre-existing disease or injury unless the condition or disease is worsened by his or her employment duties.
Most Iowa workers employed in Iowa are eligible for workers comp benefits. Employee includes contract workers or employees whose work is primarily located in Iowa may be eligible for workers comp in Iowa.
Some types of employees are exempt from Iowa workers work law. These employees aren’t eligible for workers compensation. Contact an Iowa workers compensation attorney to discuss your employment status and potential workers comp eligibility. Independent contractors, members of a limited liability company (LLC), or partners of a business or professional services company aren’t considered employees under Iowa law. However, these individuals may decide to purchase a valid workers comp insurance policy to cover the future needs of a partner or proprietor.
Who Selects the Injured Workers Medical Care?
The worker’s employer selects the medical care that’s most reasonably suited to the treatment of the employee’s condition or injury. It has the right to select the worker’s medical treatment and care.
If the injured worker isn’t satisfied with the quality of care received, he or she should discuss concerns with the employer, insurer, or workers compensation attorney. In some situations, the worker may request additional or alternate treatments. If the employer or insurer doesn’t allow these treatments, the employee may ask the state workers comp commissioner for consideration regarding care. The worker must contact the commissioner according to appropriate proceedings (Section 85.27).
When the employer’s retained medical provider gives the worker a permanent impairment rating and the employee believes the rating is insufficient, the employee may request another examination by a physician of his or her choice at the employer’s cost.
Workers compensation is a complex matter. Consult an experienced workers comp attorney to discuss the specifics of your case.