There is a limit to the number of procedures or surgeries allowed under workers’ compensation coverage. But it is not a hard-and-fast number -- it varies by the injury and what doctors recommend. A statute of limitations exists for how long a person can receive treatment for a workers’ comp accident. For example, chiropractor visits may be covered until the victim heals to the degree that he or she can return to work, even if it is at a diminished capacity. Workers’ comp wouldn’t cover continual chiropractor sessions after this point. So what does workers’ comp cover? Read on for comprehensive information on workers’ compensation coverage.
According to CityTownInfo.com, much of the Des Moines workforce performs manual labor, such as engine and other machine assembly, conveyor operation and tending, pipe laying, structural iron and steel working, structural metal fabricating and fitting, and bindery.
Regardless of your labor sector, getting hurt on the job is always a possibility. If you or someone you love has been hurt on the job, you may be wondering what workers’ comp covers. One of your biggest fears may be whether the company will pay for multiple procedures or surgeries needed to restore your health after a work-related injury.
Multiple Procedures or Surgeries and Workers’ Compensation
Each state varies in terms of workers’ compensation laws, procedures and payments. However, Iowa is like any other state in that proof is the key to getting workers’ compensation to pay for surgeries or procedures needed after an on-the-job-injury. Your employer’s insurance company will have to prove the validity of your claim using physicians of their choosing.
In fact, Iowaworkforce.org states that choosing your own doctor could affect the outcome of claims against your employer from on-the-job injuries. However, if a need for multiple surgeries or procedures is proven to the physician chosen by your employer’s insurance company, then workers’ compensation should pay for the procedure(s) in full. However, if your claim for multiple procedures or surgeries due to a work-related injury is denied, you may find yourself with limited hope and prospects for compensation.
Denial of Claims Involving Multiple Procedures or Surgeries
It is important to remember that not every claim you make to workers’ compensation will be accepted. Many people’s claims are denied. One Iowa woman shared her claim denial story with WorkersCompensationInsurance.com. A bitter battle with Iowa workers’ compensation and the woman’s employer has ensued over multiple surgeries needed on her arms due to Thoracic Outlet Syndrome.
Thoracic Outlet Syndrome requires multiple surgeries that have to be done in a timely manner to avoid lifelong, debilitating side effects. Because the cost of the surgeries she needed exceeded $100,000, the woman believes that her employer’s insurance company denied her claim. She continues to be embroiled in a legal battle to get the surgeries she needs to regain mobility in her arms, which she cannot afford without the aid of workers’ compensation. There are many myths about workers’ compensation. Check with a workman’s comp attorney for the final word on your personal situation.
Hope after a Denied Claim
As the Iowa woman found out, combating a denied workers’ compensation claim for multiple surgeries or treatments can take much of your remaining strength. It can be an emotional and physical struggle to get the medical treatment you deserve for your on-the-job injuries.
When injured Des Moines employees ask themselves, “What exactly does workers’ comp cover?” Walker, Billingsley and Bair answer. When you feel like you cannot fight the battle against a denied workers’ compensation claim alone, reach for the trusted advice of legal counsel. Attorneys at Walker, Billingsley and Bair can help you feel as if there is someone in your corner, willing and able to get coverage for the multiple procedures or surgeries needed to increase your quality of life. Contact us via our website today.