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Iowa Workers’ Compensation 101

At the Law Offices of Gallner & Pattermann, P.C., in Iowa, we know that workers’ compensation can be a very mysterious and complicated thing for many workers. We therefore thought it a good idea to review the basics of Iowa’s workers’ comp system so that our blog readers such as you will have a better understanding of this program that is there to provide you the benefits you need and deserve when you suffer an on-the-job injury or illness.

As the Iowa Division of Workers’ Compensation explains, workers’ comp is a set of laws and regulations that describes what type of benefits you can receive and the circumstances under which you can receive them. You can receive benefits for the following types of things:

  • Work-related injuries and/or accidents
  • Work-related impairment of your health other than that brought about by your natural aging process
  • Work-related diseases and health conditions
  • Work-related hearing loss
  • Work-related exacerbation of a preexisting injury or disease

Medical care providers

When you file a workers’ compensation claim against your employer, your company has the right to choose the health care provider who treats you. If you become dissatisfied with the treatment this person provides, you can request that someone else treat you. If your employer’s insurance carrier does not allow alternate providers under your employer’s workers’ comp plan, you can appeal this decision to the Iowa Workers’ Compensation Commissioner.

If your injury or disease is one that leaves you disabled, your company’s doctor will rate the percentage of your disability after a reasonable period of treatment. If you believe the rating is too low, you have the right to have another doctor examine and rate you, and your employer must pay for this examination.

Workers’ comp disputes

If you and your employer and/or its insurance carrier wind up in an unresolvable dispute over some aspect of your workers’ comp case, you can file a contested-case proceeding. Ultimately your company, or more precisely, its insurance carrier, pays you the benefits you need and deserve, including a percentage of the wages you lost while recovering from your injury or disease.

For more information on this subject, please visit this page of our website.