Questions We Are Asked Each Week By Clients...

We are often asked questions like how much should the insurance company pay?  How are my weekly benefits calculated?, etc.  So we have put together some of the questions we here the most and the answers to them.  We hope this helps you avoid making a mistake in your Iowa personal injury, car accident, dog bite, work injury or other injury matter.

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  • What's the most important quality I should look for when hiring an Iowa Workers Comp lawyer?

    Dedication, preparation, and staying up to date on recent changes in the law may be the most important qualities you need to investigate when hiring an Iowa Workers' Comp lawyer. Workers' Compensation in Iowa involves many aspects of employment and injury law that you will need an experienced lawyer to handle. When you're seeking to file a Workers' Compensation claim you need more than just your employer's help.

    When choosing your Iowa Workers' Comp lawyer you need to make sure that they're not only qualified to handle your claim, but also that they're dedicated to your satisfaction. There are several questions to ask to make sure that the lawyer you're consulting with is going to give your case the personal attention it deserves.

    Make sure you inquire about how they prepare cases for trial. If they're not prepared to take your claim for Workers' Compensation in Iowa to trial, then chances are they may not be willing to do more work to pursue a higher settlement than the initial offer.

    There are some lawyers who avoid trials and will recommend to their client that they take a low settlement offer.  This may be because they do not have trial experience or do not want to put in the extra work involved in properly preparing a case for trial.  The insurance companies know who these lawyers are and will make lower offers to their clients because of it.  You should know what the trial experience is of the lawyer you are considering and what verdicts they have obtained.  If they are not willing to provide this information to you, then this should raise a red flag. 

    Also ask about how the lawyer will be paid upon settlement of your Iowa Workers' Comp claim. If the lawyer wants you to pay money or a retainer up front, then they may not be as dedicated to your case as you want them to be.  If they do not believe in you and your case enough to advance the expenses, can you believe and trust in them? 

    Lawyers who work on a contingency fee basis, sometimes called "no recovery, no fee," don't get paid unless they get you a settlement. And the higher the settlement, the better paid everyone involved, so they are more inclined to argue for a maximum settlement value over the low initial settlement commonly offered at first by the insurance companies.

    Contacting an Iowa Workers' Compensation Lawyer

    As an Iowa worker you have the right to a safe workplace without risk of suffering a work injury in Des Moines. The Iowa Workers' Compensation lawyer team at Walker, Billingsley & Bair know the importance of protecting your work injury claim from the get-go. Learn more by ordering this FREE book; Iowa Workers' Compensation - An Insider's Guide to Work Injuries: 7 Deadly Mistakes To Avoid If You Are Hurt At Work or by calling 1-800-707-2552.  If you have questions or need immediate help call (888) 435-9886.

  • What are the signs of spondylolysis after a work injury in Iowa?

    Spondylolysis is a common work injury in Iowa that occurs in the lower back and manifests as a fracture in the bone ring of the spinal cord. A Workman Compensation attorney can help you if you have been denied any of the rights or privileges you are entitled to for a spondylolysis injury through an Iowa Worker's Compensation claim.

    Spondylolysis is often accompanied by cracking in the bone that protects the spinal column, and is considered to be caused by repetitive stress or strain to the lower spine. It most commonly occurs in the lowest vertebra of the spinal column, which connects the spine to the pelvis and is called L5.

    Although the fracture may only affect one side of the vertebra, it is typical for the crack to appear on both sides. This could allow the vertebra to slip over the other vertebra, which is called spondylolisthesis, another common work injury in Iowa.

    The physical symptoms of spondylolysis include: 

    • pain and aching in the middle lower back;
    • aggravation of pain when bending backwards or exerting pressure in some other way;
    • leg pain or weakness;
    • slowed reflexes; and
    • tingling sensation over the spinal nerve. 

    Though these fractures are frequently resolved by rest and bracing, regular X-rays, CT scans, and MRIs are required to check the progress of the healing process, and in most cases, physical therapy is required.
     

    If this injury is related to employment, one may be entitled to treatment covered by workers' compensation. To determine qualifications, one should first inform his or her employer of symptoms and let him or her know an evaluation from a doctor is needed.

    Consult first with a primary care physician who may refer a specialist if necessary. An X-ray can show if a vertebra, typically the L5, is slipped out of place and causing pain. Specialists may order a CT or MRI scan to determine if any damage was done to the soft tissue, such as pinched nerves or pressure on the spinal cord.

    Once a diagnosis and treatment plan from a doctor is obtained, inform the employer of the situation so they can file the necessary workers' compensation case documentation. If the doctor requires special medical equipment such as a back brace, workers' compensation coverage should allow for assistive items such as these to be provided. Other benefits under workers' compensation may include disability benefits.

    Contacting an Ames Workman Compensation Attorney

    The Ames Workman Compensation attorney team at Walker, Billingsley & Bair know the importance of protecting your Iowa Workers' compensation claim for your work injury in Iowa from the get-go. Learn more by ordering this FREE book; Iowa Workers' Compensation - An Insider's Guide to Work Injuries: 7 Deadly Mistakes To Avoid If You Are Hurt At Work or by calling 1-800-707-2552.

  • Should I hire an Iowa lawyer if I was hurt at work in a factory in Davenport, Iowa?

    If you have been injured at work and are unsure of what to do, seek an Iowa lawyer. It is important to keep in mind that not every accident or injury will warrant a Davenport, Iowa workplace accident claim. A lawyer can discuss why or why not your case qualifies for that type of legal action.

    What to Do after an Iowa Workplace Accident

    There are 5 steps that you should take after a workplace accident: 

    1. Take action right after the accident takes place. Some people are hesitant to take action because they are nervous or feel overwhelmed. The accident needs to be reported properly right away. 
    2. Get the medical help you need. If you have been hurt in the workplace, you need to get medical attention as soon as possible. Don't underestimate the injury; get examined by a medical professional. 
    3. Give a detailed description of what happened. Your attending physician will need to know the whole story. Describe the incident as clearly and in as great detail as you can. Include the detail that it occurred while you were at work. Later on this can help if you file a worker's compensation claim. 
    4. At the end of your visit, get a doctor's note. If your injury stops you from being able to work for a period of time, you need a doctor's order in formal writing to support your claim of the accident.  
    5. Contact an Iowa lawyer to file a claim. When you add up lost wages and medical bills, the costs run high quickly. It may be in your best interest to file a worker's compensation claim to recover those losses.  

    Contacting a Davenport, Iowa Workers' Compensation Attorney

    The Davenport, Iowa Workers' Compensation attorney team at Walker, Billingsley & Bair know the importance of protecting your work injury claim from the get-go. Learn more by ordering this FREE book; Iowa Workers' Compensation - An Insider's Guide to Work Injuries: 7 Deadly Mistakes To Avoid If You Are Hurt At Work or by calling 1-800-707-2552.

  • Why do dogs attack and bite, and what are some steps I could take to avoid being the victim of a dog bite attack in Ames?

    There can be a number of reasons that a dog will turn on you but there are 3 most common reasons for a dog bite attack in Ames. If you or someone you know has suffered a severe dog bite attack in Ames, you should contact an Ames, Iowa, dog bite attorney to pursue the full compensation you deserve.
     

    3 Common Reasons for Dog Bite Attack in Ames

    Dogs bite for three key reasons: 
    • Dominance - a dog is commonly known to attack small children to show a sense of dominance. The dog may attack a young child because it's an easy target.
    • Defense - a dog is territorial and will attack to defend its territory. A dog may bite to guard itself, its owner, or its owner's property.
    • Security - regarding defense, a dog will strike if it is threatened or feels distrusted by a person. 

     

    Tips to Avoid a Dog Bite Attack

    To avoid the occurrence of a dog bite attack in Ames, there are several tips you may find useful: 

     

    • distance yourself from an unfamiliar dog;
    • don't run from an aggressive dog;
    • remain calm and still when interacting with an unfamiliar dog;
    • don't disturb a dog while he is preoccupied; and
    • don't approach a dog from behind. 

    A dog bite attack in Ames can be a serious physical, financial, and emotional challenge. Get legal help from your Ames, Iowa, dog bite attorney to see if you may be eligible to file a personal injury claim to pursue the compensation you deserve.

    Contacting an Ames, Iowa, Dog Bite Attorney

    The Des Moines injury attorney team at Walker, Billingsley & Bair works hard to level the field between injured Iowans and insurance companies. Contact your Ames, Iowa dog bite attorney to pursue a fair settlement for your child's injuries and damages - 1-800-707-2552.

  • What Happens if I Suffer a Brain Injury at Work?

    If you or a loved one has sustained a brain injury (sometimes called a closed head injury) then you may be dealing with the difficult situation of being referred to the insurance company neurologists who say there are no permanent problems.  Keep in mind that even a mild concussion without loss of consciousness can result in a brain injury, but often the doctors that workers' compensation insurance companies send injured workers to will not say you have a brain injury unless it is documented on an MRI or CT scan.  And even if it is documented by testing, they may say you have made a full recovery if you can talk, walk and know where you are.

    Heavy items have the potential to cause blunt force trauma, leading to mild, medium, or severe brain injuries. Symptoms may range from a headache, confusion, and fatigue to seizures decreased motor function, and even coma. All brain injuries should be checked out by a medical professional as soon as possible.

    A Workers' Comp lawyer can help you file for Workers' Compensation in Iowa after sustaining a job-related brain injuryBy calculating your medical expenses and working with a physician or expert who can estimate the long-term costs of your brain injury, your lawyer can help you obtain enough compensation to cover your health care costs. Your Workers' Compensation in Iowa will also provide up to 80% of your weekly spendable earnings.

    If there is a dispute with your Worker's Compensation in Iowa claim, your Workers' Comp lawyer can also prepare your case in an effort to reach a successful resolution.


    What Kind of Doctor Should I See If I Have a Head Injury?

    Mri of brain after head injury at work in iowaOften, the insurance company will not send an injured worker to a neuropsychologist who is a specifically trained medical professional to detect, evaluate and treat brain injuries.  A neuropsychologist will conduct an in-person interview and have the injured worker take a series of written and other tests to determine if there is a permanent injury to the brain.  If there is not a permanent brain injury, then the compensation for the injured worker may be minimal.  However, keep in mind that sometimes a brain injury that has healed can lead to other back and neck pain, headaches or mental health conditions such as depression, anxiety, PTSD, etc.

    What Should I Do If I Think I Have a Head Injury After Being Injured at Work?

    If you or a loved one sustained a concussion and are no longer acting like the same person, are confused at times, have difficulties with memory, etc., then a mild traumatic brain injury may be what is causing the issue.  A qualified Iowa workers' compensation attorney may be able to help you find a medical provider to treat the condition and obtain fair compensation.  To learn more about Iowa's workers' compensation system, including the 7 Deadly Mistakes to Avoid if You are Hurt at Work, order a copy of our book “Iowa Workers’ Compensation - An Insider’s Guide to Work Injuries” by clicking on the title or calling 1-800-707-2552 (ext. 811) (24-Hour Recorded Message).  Why offer a Book at No Cost?  Iowa workers' compensation attorney Corey J. L. Walker offers his book at no cost because he has represented hundreds of Iowans hurt at work and seen too many clients make mistakes before they knew about their rights and responsibilities, costing them thousands of dollars.  Iowans injured on the job are beginning to realize that the workers' compensation insurance company is not there to help them and they should at least consider having someone on their side to assist them.  Finally, you can learn about Iowa work injuries in the comfort of your own home with no cost, risk or obligation.   For immediate assistance or to schedule your no-cost case evaluation, CALL 641-792-3595 and ask for Corey or Erik.

     

  • What do I need to know about insurance industry settlement tactics so I can try to handle my Iowa injury claim on my own?

    To settle your Iowa injury claim on your own, you should know 7 tactics insurance adjusters use. You can attempt to handle everything on your own, but if you hire a West Des Moines injury lawyer you can focus on healing rather than fighting.

    Insurance adjusters may try any or all of the following once you file your Iowa injury claim: 

    • Delay.
    • Requests for unnecessary information.
    • Contesting your medical treatment.
    • Paying only a portion of your bills.
    • Giving you misleading information about benefits.
    • Pretending they are on your side.
    • Making misleading or false promises. 


    First, you must realize that insurance adjusters are paid to keep money in the insurance company's pocket, not yours. Once you understand this, you will be able to recognize these 7 tactics at work.

    Insurance adjusters delay communication so that you get tired of waiting for your money and just take their minimal offer. They will request unnecessary documentation for your Iowa injury claim to wear you down.

    Besides being tedious, they will also dispute your Iowa injury claim and medical program despite its being prescribed by a medical professional. They may also offer to cover only a percentage of the cost.

    They often pretend to be your friend. As your "friend" they will dissuade you from hiring an Iowa injury lawyer to file a personal injury lawsuit and threaten to lowball your claim if you do so. 

    Finally, insurance adjusters will give you misleading information about their benefits policy. If you are not familiar with the policy, it will be easy for them to convince you otherwise.

    Adjusters have been known to make false promises over the phone. With the help of a West Des Moines injury lawyer, you can fight them when they retract a verbal agreement.

    Contacting a West Des Moines Injury Lawyer

    You can tackle the insurance adjusters on your own but it always feels better to have an expert in your corner. The West Des Moines injury lawyers at Walker, Billingsley & Bair work hard to level the field between injured Iowans and insurance companies. That's why we provide this FREE book; The Legal Insider's Guide to Iowa Car Accidents: 7 Secrets to Not Wreck Your Case. To learn more about what our legal team will do to help you protect your Iowa injury claim, contact Walker, Billingsley & Bair to schedule a no-cost consultation. Call 1-800-707-2552 to order your free accident book today.

  • What is the Iowa Injured Workers' Bill of Rights?

    The Iowa Injured Workers' Bill of Rights is a law that requires employers to obtain Workers' Compensation for their employees. These rights help to protect workers if they are injured while on the job. An Ames Workers' Compensation lawyer has the most up-to-date information on how this can affect you as an employee in Iowa.

    Since each Iowa Workers' Compensation claim is different, consulting with a lawyer is the best way to determine your specific rights.

    In general, the following benefits are part of the Injured Workers' Bill of Rights: 

    • right to seek medical care from any doctor of your choosing;
    • payment for all medical care related to the work injury;
    • payment for mileage in going to and from medical appointments; and
    • right to refuse medical care or procedures.  


    Although these are some of the general rights, the specifics of each case could significantly impact the outcome of your Iowa Workers' Compensation claim. For instance, although it is your right to refuse a treatment or procedure, this decision could negatively impact your case.

    Also, your own health coverage may impact the way your Iowa Workers' Compensation claim is processed. With all of the different factors that can play into your claim, it can become very complicated.

    This is why its best to seek the help of an Ames Workers' Compensation lawyer who can better explain the Iowa Injured Workers' Bill of Rights and how each one can influence the outcome of your claim. Consulting with a lawyer is the best way to find out how you can protect your claim and your rights.

    Contacting an Ames Workers' Compensation Lawyer

    The Des Moines Workers' Compensation lawyer team at Walker, Billingsley & Bair know the importance of protecting your work injury claim from the get-go. Learn more by ordering this FREE book; Iowa Workers' Compensation - An Insider's Guide to Work Injuries: 7 Deadly Mistakes To Avoid If You Are Hurt At Work or by calling 1-800-707-2552.

  • What benefits are available in an Iowa Workers' Compensation claim?

    There are several benefits available in an Iowa Workers' Compensation claim. That being said, if you want to get the most out of your Iowa Workers' Compensation claim, you should meet with a Des Moines Workers' Compensation attorney. Your attorney will help gauge the cost of your current and future medical needs, rehabilitation needs and disability needs in order to negotiate for fair compensation.

    Workers' Compensation Benefits in Iowa

    Benefits for reasonable and necessary medical expenses you have incurred as a result of your work-related injury may be available. In Iowa, it could also include transportation expenses at $0.555 cents per mile when using a privately owned vehicle.Your Des Moines Workers' Compensation attorney can help you to seek the Workers' Compensation benefits that are available in Iowa, which include: 

    • Medical benefits - your employer is obligated to pay for reasonable medical care to treat your work injury. This includes travel expenses for treatment and payment for lost wages, under certain conditions, if you must leave work for treatment. If your injury requires some type of therapy, such as physical or occupational, these rehabilitative costs may be covered as well. Vocational rehabilitation could also be available if your injury prevents you from returning to work, which could provide $100 a week for up to 13 weeks.
    • Disability benefits - weekly compensation cannot top 80% of your spendable earnings, which is your pay remaining after taxes. The type of benefits you are qualified to receive depends on whether yours is a permanent (may receive benefits as long as you remain permanently disabled) or temporary disability (provided until you can return to work), and if it’s a partial (you may continue to work while disabled) or total disability (you are unable to work during your disability).
    • Second injury fund benefits - if you have in the past suffered a permanent disability affecting your eye, leg, foot, hand or arm, and then suffered another work injury that led to a permanent disability in another eye, leg, foot, hand or arm you might be eligible for these benefits.
    • Vocational rehabilitation benefits - if you are in a vocational rehabilitation program that may eventually lead to your returning to work, you may be entitled to $100 a week for at least 13 weeks.
    • Death benefits - If a loved one whom you were dependent upon has died in a workplace accident in Iowa, you may be able to receive death benefits. To qualify, you should be a surviving spouse, dependent child or anyone else who was actually dependent on the worker. 


    Even after returning to work, you may be eligible to continue receiving benefits. If you return to work and can only handle a less strenuous, lower-paying job, partial disability benefits may pay 66 percent of the difference between current and previous pay. Before you file an Iowa Workers' Compensation claim on your own, you should seriously consider hiring a Des Moines Workers' Compensation attorney to make sure that your legal rights are protected and improve the odds that you might receive the full extent of Workers' Compensation benefits to which you are entitled.

    Contacting a Des Moines Workers' Compensation Attorney

    The Des Moines Workers' Compensation attorney team at Walker, Billingsley & Bair work hard to level the field between injured Iowans and insurance companies. That's why we provide this FREE book, Iowa Workers' Compensation - An Insider's Guide to Work Injuries: 7 Deadly Mistakes To Avoid If You Are Hurt At Work. To learn more about what our legal team will do to help you protect your Iowa work injury claim, contact Walker, Billingsley & Bair to schedule a no-cost consultation - 1-888-435-9886.

  • Who chooses the medical care to treat my Iowa work injury?

    Your employer is tasked with choosing reasonable medical care to treat your work injury in Iowa. If you are not satisfied with the medical care your employer chooses in your Iowa Workers' Compensation claim, you should discuss your concerns with your employer or the insurance company and request alternate care.

    If you are told that alternate medical care is not an option, you can apply for alternate medical care through the Workers' Compensation commissioner.

    If you want another doctor because the doctor your employer chose gave you an impairment rating that you think is unacceptable, you can see another doctor at your employer's expense.

    Although some Iowa Workers' Compensation claim disputes can be handled when all parties communicate effectively and share their concerns, this is not always the case. When your dispute cannot be resolved, your case will be contested before the Workers' Compensation commissioner.

    It would be in your best interest to consult with a Des Moines Workers' Compensation attorney if your case must be contested. Your attorney can explain your legal options and may be able to fight on your behalf to help you receive the alternate medical care you desire.

    Your Des Moines Workers' Compensation attorney might also be able to make sure that you are appropriately compensated for your work injuries. Your attorney will consider the long-term prognosis of your injury, changes in your quality of life and your pain and suffering.

    A Des Moines Workers' Compensation attorney can help you get the most value out of your Iowa Workers' Compensation claim.

    Contacting a Des Moines Workers' Compensation Attorney

    The Des Moines Workers' Compensation attorney team at Walker, Billingsley & Bair work hard to level the field between injured Iowans and insurance companies. That's why we provide this FREE book, Iowa Workers' Compensation - An Insider's Guide to Work Injuries: 7 Deadly Mistakes To Avoid If You Are Hurt At Work. To learn more about what our legal team will do to help you protect your Iowa work injury claim, contact Walker, Billingsley & Bair to schedule a no-cost consultation - 1-888-435-9886.

  • How should I deal with insurance adjusters after my accident in Iowa?

    When dealing with insurance adjusters after an accident in Iowa, you should be straightforward and give them only the facts of the accident, nothing more.

    Insurance adjusters may come across as affable, but beware: their goal is to get you to relax, open up and say anything that could damage your Iowa personal injury claim. After all, they work for insurance companies and their goal is to help the insurer pay out as little as possible.
                                                                                                         
    Described below are certain things you should and should not do when dealing with insurance adjusters. Otherwise, you could jeopardize your Iowa personal injury claim. 

    • DO get the insurance adjuster's name and contact information as well as the company they represent.
    • DO give the insurance adjusters your full name and contact information.
    • DO take notes.
    • DO ask the adjuster if they have any witnesses to the accident in Iowa.
    • DO be general when describing your injuries.
    • DON'T agree to have the conversation recorded.
    • DON'T discuss anything with insurance adjusters except the location of the accident in Iowa, the date and time the accident occurred and the type of accident (car, truck, motorcycle).
    • DON'T agree to anything.
    • DON'T sign anything.
    • DON'T answer questions about your family.
    • DON'T identify any witnesses.
    • DON'T provide the name of your doctor. 

    It would also be a good idea to speak with a Newton personal injury lawyer before you speak with any insurance adjusters. Your Newton personal injury lawyer can go over the details of your case, help determine who was negligent and, if appropriate, take steps to build a solid Iowa personal injury claim. With the help of your Newton personal injury lawyer, you might be able to pursue compensation for your medical expenses, lost earnings and pain and suffering.

    Contacting a Newton Personal Injury Lawyer

    The Newton personal injury lawyer team at Walker, Billingsley & Bair work hard to level the field between injured Iowans and insurance companies. That's why we provide this FREE book; The Legal Insider's Guide to Iowa Car Accidents: 7 Secrets to Not Wreck Your Case. To learn more about what our legal team will do to help you protect your Iowa injury claim, contact Walker, Billingsley & Bair to schedule a no-cost consultation - 1-888-435-9886.