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If you have been hurt on the job in Atlantic, Iowa, understanding what workers' compensation covers and how the claims process works can make a significant difference in the benefits you receive. Back injuries, head injuries, and knee injuries are among the most common and serious work-related conditions that Iowa employees face. Knowing your rights and acting quickly are the most important steps you can take after a workplace injury.
Work injuries can range from a single sudden accident to conditions that develop gradually over time from the physical demands of a job. Regardless of how the injury occurred, Iowa workers who are hurt on the job are generally entitled to workers' compensation benefits that cover medical treatment, lost wages, and more. An experienced Atlantic workers' compensation attorney can help ensure you are not shortchanged by the process.
Lumbar Strains and Low Back Injuries at Work
Back injuries are among the most common work injuries for which Iowa employees seek workers' compensation. A lumbar strain is a low back injury that can occur from a single event, such as a worker who falls from an elevated surface and lands on his or her back, or from constant stress placed on the back by a specific job task, such as heavy lifting or repetitive bending over time.
It is important to understand that any back injury must be work-related in order to qualify for workers' compensation benefits. However, even if a worker had a pre-existing back condition, he or she may still be eligible for benefits if work worsened or aggravated that condition. Under these circumstances, it may be necessary to produce evidence of the previous injury and show that it had not been causing problems for a period of time, or provide evidence that performing work duties or a specific incident at work made it worse.
A single accident at work can sometimes be easier to prove than an injury that developed gradually. For instance, if an employee falls from an elevated surface and strains the muscles in the lower back, the connection to the workplace is clear. On the other hand, low back pain that worsens progressively over time from job demands can be more challenging to document. If it can be shown that the type of work was a contributing factor, such as someone who regularly loads heavy boxes onto a truck, that will strengthen the claim. Employers may try to argue that a gradually developing back condition has nothing to do with the job, which is one of the key reasons why having an attorney on your side is so valuable.
What Workers' Compensation Covers for a Lumbar Strain
A lumbar strain can require medical exams for diagnosis as well as treatment to help the worker recover and return to work. The employer must cover all reasonable and necessary medical expenses related to the back injury. Treatment covered under workers' compensation may include:
- Prescription medication
- Spinal injections to relieve pain
- Electrical muscle stimulation
- Massage therapy
- Pelvic traction
- Physical therapy and supervised exercises
While most lower back strains heal and the worker is eventually able to return to work, many employees miss significant time during recovery. Disability benefits may be available when the injury prevents the employee from working. Temporary total disability benefits are available for workers who are completely unable to work after the injury, and these pay 80 percent of the worker's weekly spendable earnings prior to the accident.
If the employee is able to return to work performing light duty or alternate tasks, he or she may be eligible for temporary partial disability benefits that pay two-thirds of the difference between previous wages prior to the accident and the current wages in the lighter-duty or alternative position. If the worker can return to full-time work but must occasionally leave to receive medical treatment, it may also be possible to recover benefits for those lost wages. Transportation costs to attend medical appointments, including mileage reimbursement for trips to a doctor or other care related to the work injury, could be included as well.
Important Steps Before Filing a Lumbar Strain Workers' Comp Claim
Before filing a workers' compensation claim for a back injury, there are three critical issues every injured worker should address. First, you need to show proof that the back injury is work-related. This can be difficult, particularly when the injury developed gradually, but it is necessary in order to receive benefits. Second, you need to obtain your medical records. Documentation should include doctor's notes from a physical examination, results from imaging tests such as an MRI or CT scan, hospital discharge papers, the treatment plan, and any special instructions such as restrictions on returning to work. Third, you need to be aware of the statute of limitations for work-related injuries in Iowa. While it is not necessary to file a claim on the same day you are injured, waiting too long can jeopardize your right to benefits.
One way to avoid problems with obtaining benefits from the start is to immediately report the incident to your employer. Workers who experience difficulty getting their claims approved may find success from seeking legal advice from a qualified workers' compensation attorney.
Head Injuries and Concussions Sustained at Work
Concussions are a common type of head injury for workers who are involved in workplace accidents. They are usually caused by a blow to the head or a high-impact event. It does not necessarily have to be a direct hit to the head. Sudden acceleration or deceleration of the head, such as in a work-related vehicle accident, can also cause a concussion. Depending on the severity of the impact, a concussion may be minor or major, but regardless of how hard the blow, it will temporarily affect the way the brain functions.
How a Concussion Can Affect a Worker
A concussion sustained at work can affect many different bodily functions. Workers who have suffered a head injury on the job may experience disruptions to:
- Speech
- Balance and coordination
- Memory and judgment
- Reflexes
What makes concussions particularly challenging is that many workers do not immediately realize they have one. Most people who receive concussions do not black out. Two major early symptoms are confusion and amnesia. However, additional symptoms such as headache, dizziness, ringing in the ears, nausea or vomiting, slurred speech, and fatigue are also common. In some cases, certain symptoms do not appear right away at all. It may take hours or days for the following to become apparent:
- Irritability or changes in mood
- Depression
- Sleep disturbances
- Memory and concentration problems
- Sensitivity to light and noise
When Should an Injured Worker See a Doctor?
If you were involved in a workplace accident and the injury to your head seemed minor with only minimal pain, you may not immediately feel the need for medical attention. However, some concussions are far more serious than they first appear. If you experience any of the following symptoms after a work-related head injury, you should see your doctor right away:
- Prolonged headache or dizziness
- Ringing in the ears
- Loss of smell or taste
- Impaired balance
- Vision or eye disturbances
- Prolonged memory loss
If you do seek medical attention for a head injury, your doctor will most likely order a CT scan to assess your brain and determine how severe the injury is. If a concussion is confirmed, getting plenty of rest is one of the most important parts of recovery because the brain needs adequate time to heal. Recovery can take longer than many workers expect, and it is important not to rush back to work or physical activity before you are ready. Workers' compensation benefits can provide critical financial support while you focus on getting better.
Iowa workers' compensation covers head injuries sustained on the job. If you suffered a concussion or other brain injury at work and you are having trouble getting your claim approved or receiving fair benefits, speaking with an experienced workers' compensation attorney is a smart step. Many Iowans make costly mistakes early in the process because they did not have the right information.
You can learn more by requesting a free copy of the guide Iowa Workers' Compensation: An Insider's Guide to Work Injuries, which covers the seven mistakes to avoid if you are hurt at work.
MCL Knee Injuries at Work and Workers' Compensation Benefits
When a worker sustains trauma to the knee on the job, an MCL injury may result. The medial collateral ligament, or MCL, is one of the most essential ligaments that contributes to the function and motion of the knee. The ligament runs from the femur, or thighbone, to about four inches above the tibia, or shinbone. The primary responsibility of the MCL is to prevent the leg from overextending, and the ligament also plays a key role in stabilizing and rotating the knee.
When a worker injures or tears the MCL, the pain is often severe. In addition to intense pain, the injury typically causes significant swelling, and the injured worker may not be able to put any weight on the affected leg. For workers in physically demanding jobs, this type of injury can be completely disabling for an extended period.
How MCL Injuries Happen in the Workplace
Workers in active professions may be at greater risk of MCL injuries. All MCL injuries typically result from some form of force that pushes the knee sideways. In the workplace, this can happen in a number of ways, including a slip and fall injury, contact with machinery or equipment, or a work-related vehicle accident. Any of these scenarios can produce the kind of lateral force on the knee that tears the MCL and sidelines a worker for weeks or months.
Treatment Options for a Work-Related MCL Tear
The treatment needed for an MCL injury depends on the severity of the tear. If the worker has only a partial MCL tear, the doctor may recommend a combination of ice therapy, bracing, and physical therapy. These approaches can reduce swelling, keep the knee immobile when necessary, and help the worker gradually regain full function. In the event of a more severe tear, surgery may be required to correct the damage, followed by a physical therapy program to restore strength and function to the joint. All of these medical expenses should be covered under Iowa workers' compensation.
Claiming Workers' Compensation for a Knee Injury in Iowa
If you injured your MCL on a job site in Iowa, you very likely qualify for workers' compensation benefits. The first step is to report the knee injury to your employer immediately following the accident. Your employer will then be required to file a First Report of Injury. Benefits for which you may be eligible include medical benefits to cover the full cost of treatment and disability benefits for time missed from work.
You may recover temporary total disability benefits if you are unable to work for more than three days as a result of the injury. If you are able to return to work at a lower-paying position during your recovery, you may be eligible for temporary partial disability benefits. In cases where the knee injury results in lasting damage to function or mobility, workers may also qualify for permanent partial disability benefits.
Getting Legal Assistance In Atlantic
Navigating the complexities of Iowa workers' compensation laws can be daunting, especially during the recovery process from a workplace injury. Seeking guidance from a seasoned Atlantic Workers' Comp attorney is invaluable in ensuring your rights are protected and maximizing your chances of a favorable outcome.
Legal professionals play a pivotal role in gathering evidence, preparing documentation, and advocating for your interests throughout the claims process. Don't risk missing out on the compensation you deserve – enlist the support of a qualified attorney to navigate the complexities with confidence.
The Iowa Workers' Compensation attorney team at Walker, Billingsley & Bair know the importance of protecting your work injury claim from the get-go. 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 - 641-792-3595.