This page provides answers to the following questions:
You should notify your employer of your injury as soon as possible as seek appropriate medical treatment if necessary. In order to insure you will be entitled to benefits should you proceed with filing a worker's compensation claim, you must notify your employer within ninety (90) days of the accident. After notifying your employer, your employer is expected to complete a written report of injury to be provided to the insurance provider in addition to a medical verification of injury. Your employer is expected to complete and file the first report of injury form with the worker's compensation commissioner within four days of notice of alleged injury.
Most employees who are injured while working in Iowa, either under contract or because their primary employment is within the state, are eligible for workers' compensation benefits.
Iowa employers are required to provide insurance through private insurance companies or become self-insured providers to deal with potential workers' compensation claims. An employer who doesn't provide some form of workers' compensation coverage may be liable for workers' compensation benefits, damages, and/or criminal penalties under Iowa law.
Your workers' compensation will be the most successful should you comply with all the appropriate and mandated filing requirements and can establish that your injury occurred within the course of your employment.
Medical: Benefits paid related to payment of all reasonably necessary medical care related to the treatment of your injury. This can include necessary transportation expenses.
Disability benefits: Wage replacement benefits. This form of compensation is not to exceed eighty percent (80%) of your weekly spendable earnings (Spendable Earnings defined as amount retaining after payroll taxes deducted from gross weekly earnings. The amount of wage replacement benefit you may be entitled to will depend largely on the extent of your injury and the amount of money you have earned over the past year.
There are several categories of disability benefits you may or can qualify for. They include the following:
If a dispute arises between you, your employer, or your employer's insurance provider, any of the parties may file a contested- case proceeding with a workers' compensation commissioner. Other options may be available and should be considered prior to filing a contested case proceeding. Consult your workers' compensation office.
If you do not receive benefits regularly or are unhappy with the payment of benefits, it is your responsibility to contact the workers' compensation commission to attempt to resolve the matter. If you have not received benefits or filed an application to settle the dispute, you may lose entitlement to benefits. All other claims that could be brought forward to the workers' compensation commissioner must be filed within three years of the date of accident/injury.
Determinations by the workers' compensation commission may be appealed to the Iowa court of appeals. The case will proceed following the applicable law and court rules and procedures.
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