Injured on the Clock: Worker’s Compensation and You

Employees don’t expect to be injured at work, but when it does happen, it is important to understand your rights as an employee. Worker’s compensation can make recovering from an injury easier as it balances your medical care and bills while you are unable to work. If you happen to get injured on the job, learn about the Iowa workers compensation law.

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What is Covered by Worker’s Compensation?

Worker’s compensation laws protect employees when they are injured during work hours, but like many laws, there are exceptions when an employee may not be covered under their company’s compensation policy. A few of these legal exceptions may include:

  • If an employee is under the influence of drugs or alcohol at the time of the injury
  • If an employee is injured while not abiding by the company’s safety policies and procedures
  • If an employee is an independent contractor and not directly employed by the company

What Should You Do When Injured?

If you are injured at work, there are many crucial steps to ensure your claim is filed properly and you receive your benefits as you recover. Seeking medical attention should be the first step, but once your injury is accessed, the next step is to file a report with your employer. If you do not report your injury within the legal timeframe, you will not be able to file the paperwork for worker’s compensation. Make sure to document all doctor’s visits and keep a folder of all correspondence between you, the doctor on your case, your employer and the employer’s insurance company.

When Should You Contact an Attorney?

Sometimes filing a claim does not go as planned, and when this occurs, it is time to contact a professional. Attornies that specialize in worker’s compensation cases can help guide you through the process and fight for your rights. There can be a multitude of reasons that an attorney is necessary in your case, but the most common reasons are:

  • Your worker’s compensation claim has been denied by your company.
  • Your worker’s compensation claim has been approved by your company, but you are not receiving payments.
  • Your worker’s compensation claim has been approved by your company, but you are receiving payments lower than agreed.

When injured on the job, it is crucial to inform your employer as you receive the care you need. By keeping good records of doctor appointments and conversations with your employer, receiving your worker’s compensation can become the least of your concerns.