Doctors, nurse case managers and the insurance adjustor may say you have reached MMI. MMI stands for maximum medical improvement which basically means the doctors you are treating with think it is unlikely that your medical condition will improve much in the future. However, do not let this discourage you because there are many doctors with many different opinions. You are always allowed to seek medical care and treatment on your own, but usually it will be at your own expense, unless you are successful in obtaining alternative medical care which is a process we describe in detail in our workers' compensation book which is available at no cost or risk. Also, keep in mind that you have the right to a 2nd opinion once their doctor says you are at MMI and has evaluated you for a permanent impairment rating. Iowa Code Section 85.39 provides your right to a 2nd opinion, sometimes called an IME (independent medical examination). The insurance company is required to pay for the examination, your mileage and missed time from work attending the examination.
The right to an IME under Iowa law is a very important right and the doctor you choose is critical. You do not want to just choose any local doctor to do your IME as some doctors are more likely to give an opinion to help the insurance company. There are only a handful of qualified IME doctors around the State of Iowa. We can help you choose the best IME doctor for your case depending upon your injuries and where you live.
If you are not ready to speak with an attorney yet, then you should at least request a copy of our book about Iowa work injuries which is available to you 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 click here or by Call Now 1-800-707-2552 (ext. 711) (24 Hour Recorded Message). We offer our Iowa work comp. book at no cost because we have seen too many hard-working Iowans from Des Moines, Newton, Ankeny, Marshalltown, Cedar Rapids, Ft. Dodge, and throughout the state of Iowa hurt on the job make mistakes that cost them thousands of dollars. If you have been hurt at work, then you may be beginning to realize that the insurance company is not there for you and that you should protect yourself by at least learning about Iowa's workers' compensation laws. Finally, there is a book about Iowa workers' compensation that you can review in the comfort of your own home with no risk or pressure.