There are 3 basic types of benefits available to injured workers in Iowa under the workman comp system:
1. Medical Benefits- If your case it admitted by the insurance company as being work related or if you prove your condition is work related, then you have lifetime medical benefits to treat your work injury. However, if the claim is admitted then the insurance company has the right to choose your medical provider subject to some exceptions. For example, if they designate a treating physician, then generally they are required to pay for the medical care and treatment recommended by the physician including referrals made to other doctors. However, sometimes insurance companies will not follow the rules which is why there is an alternative medical care process available and is explained in our Iowa Workers' Compensation book available at no cost or risk to you.
2. TTD and HP (healing period) - If you are unable to work due to your work injuries then you should receive a weekly check while you are off work. However, this depends on a few things. Generally, it has to be a doctor that your employer or the insurance company sent you to who took you off work. Also, if the doctor you were sent to says you can return to work with restrictions, then it is your duty to contact your employer and make yourself available to work within the restrictions. If your employer does not have work for you within those restrictions then you would receive weekly Iowa workers' compensation checks. These weekly checks should continue until you are either placed at maximum healing and released from care, or you are able to return to work. If you return to work with restrictions, but are making less money because you are not getting as many hours or working a lower paying job, then you should receive TPD (temporary partial disability) which represents 2/3 of the difference in your wages before you were hurt, your average weekly wage (described on our webpage and in our book), and the wages you are making while working. For example, if your average weekly wages were $750 before the work injury and now you are only making $300 per week, then you would receive your work wages, plus $300 in weekly workers' compensation benefits. ($750 - $300 = $450 X 2/3 = $300).
3. PPD (permanent partial disability) - The amount of PPD benefits owed are based upon many different factors which are explained in much more detail on our webpage and in our Iowa Workers' compensation book.
For more information, request our Iowa Work Comp. book which reveals the Iowa Injured Workers Bill of Rights. It is available at no cost or risk to you so request your copy now. If you have immediate questions give us a call at 641-792-3595 to speak with one of our attorneys at no cost. If one of our work comp attorneys is not available, just ask to schedule a no cost workers compensation evaluation either in person or by phone.