Workers’ Compensation: What Is Covered?

Accidents happen and injuries occur at workplaces every day. In many cases, however, workers don’t know their rights, or employers try to get around them. This can deprive employees of the medical treatment or financial compensation to which they are entitled by law. Companies are required to carry workers’ compensation insurance and have legal responsibilities to their staff. If you think you might have an Iowa Workers Compensation claim, keep reading to learn what is covered and what to do next.

Accidents on the Job

Simply put, any accident that causes injury and is not caused intentionally by an employee is subject to a workers’ compensation claim. This can be related to accidents caused by malfunctioning or faulty equipment, any vehicles from the company’s fleet, or electrical issues.

Injuries at the Workplace

Beyond accidents involving equipment, most other kinds of injuries are covered by Iowa Workers Compensation as well, including exposure to toxic chemicals, burns, and repetitive stress injuries such as carpal tunnel syndrome. Many types of orthopedic injuries like sprains, strains, bone fractures, and joint or muscle issues are covered as well.

In the case of a workplace injury or accident, the employee should be entitled to receive benefits including consultation with a doctor of their choice (not determined by the company) and compensation for their medical costs. In more severe cases, an employee may also be entitled to a cash settlement, temporary or permanent lost wages benefits, or possibly vocational retraining if the injury prevents them from returning to work.

Defense Against Retaliation

It is illegal for an employer to fire, discipline, or discriminate against an employee for filing an Iowa Workers Compensation claim. If any of these actions are taken against an employee, they may be entitled to a substantial settlement paid for damages as the employer has broken a federal law. Employers must also allow employees permission to seek immediate medical attention after an accident or injury occurs.

Making a Claim

If you feel that your employer has not adequately met their legal obligations to help you receive medical treatment after a workplace accident or injury, you should seek the legal representation of a lawyer who specializes in Iowa Workers Compensation. In many cases, they may provide a free consultation to use their expertise to evaluate your claim.

Sustaining an injury at work or losing your physical ability to perform your job are dire situations. Workers’ compensation insurance and laws are in place to protect you. Don’t hesitate to exercise your legal rights if your employer isn’t taking their obligations to help you seriously.