If you or a loved one have been hurt on the job in Iowa or if your claim is being handled under Iowa law, then you will need to be familiar with the Iowa workers compensation system. Generally, if it is determined that your claim is compensable (meaning that it arose out of and in the course of your employment) then there are 3 basic benefits that you should receive:
1. Missed work - If you miss work because of your work injury, then you should receive a weekly check while you are healing called TTD (temporary total disability). These weekly checks should continue until you either return to work or are placed at MMI (maximum medical improvement) which means the doctor thinks you are as good as you are going to get.
2. Medical care and treatment - Almost always, the workers' compensation insurance company will direct your medical care to the doctors and other healthcare providers of their choice. You should not be responsible for any charges related to medical care that the insurance company sends has you get. In addition to paying for your medical expenses, the workers' compensation insurance company should also pay you for your mileage. The amount owed for mileage changes each year, but is usually around $.50 per mile. You will need to document the date, which medical provider you saw, the address you went to and the total number of roundtrip miles.
3. Permanent benefits - If it is determined that your work injuries are permanent, you will likely receive a permanent impairment rating based upon the AMA Guides. There are many different ways to determine how much PPD (permanent partial disability) benefits you should receive which are explained in detail in other articles and in our book entitled Iowa Workers' Compensation, An Insider's Guide to Work Injuries that we offer at no cost or risk to you. Generally, keep in mind that the insurance company wants to pay you as little as possible for your injuries so before you even consider a potential settlement in your case, you should educate yourself and talk to a qualified Iowa workers compensation lawyer.
Know Your Rights As An Iowa Injured Worker?
If you or someone you know has been injured at work, Walker, Billingsley & Bair is here to help answer your questions. Iowa Workers' Compensation Attorney Corey J. L. Walker offers a book about Iowa work injuries at no cost, risk or obligation. The book is called “Iowa Workers’ Compensation- An Insider’s Guide to Work Injuries” which includes 7 Deadly Mistakes to Avoid if You are Hurt at Work. To order your copy go to www.IowaWorkInjury.com or Call Now 1-800-707-2552 (ext. 811) (24 Hour Recorded Message). Corey offers his Iowa work injury book at no cost because he has seen too many hard working Iowans from Cedar Rapids, Des Moines, Ft. Dodge, Ankeny, Pella, and other towns throughout the state of Iowa hurt at work job make mistakes which cost them thousand of dollars. Iowans hurt at work are beginning to realize that the insurance company is not there to help them and that they should learn about Iowa's workers compensation laws. Finally, there is a book about Iowa work injuries that you can review in the comfort of your own home. For immediate assistance call 515-440-2852 and ask for Corey.