Imagine you've been working the same construction job for the last 10 years, earning an excellent income for you and your family. Then, last Friday, right before 5 o'clock happy hour, you fell off a ladder and broke your leg. The doctor says you need surgery and you won't be back to work for at least two months while your bones heal.
Now what? How are you going to provide an income for your family? Will you lose your job? What can you expect for the future?
Workers' compensation can help in your time of need
Fortunately, the vast majority of Iowa construction workers are protected financially in the event of a work-related accident and injuries. By successfully filing a workers' compensation claim, you are likely to receive money for lost income and money to pay the costs associated with your medical care.
Depending on the nature of the accident and associated injuries, here is the full scope of benefits most workers' compensation recipients can expect:
Medical care: Your workers' compensation benefits will pay for the medical care needed to treat your injuries.
Temporary disability: While you're unable to work due to your injuries, you can receive temporary disability benefits to replace your wages.
Permanent disability: If your injuries cause you to be permanently disabled and unable to work, you may be able to receive lifetime disability benefits to pay for your lost wages.
Vocational rehab: If you suffer a permanent injury, but you could still work in a different kind of job, vocational rehabilitation could help you get the skills you need to embark upon a new life in a new career. In some cases, your workers' compensation coverage will pay for this kind of training.
Death benefits: In the event that you die in a fatal workplace accident, your spouse and financial dependents can usually receive death benefits to help pay for end of life expenses and lost family income.
Get the workers' compensation benefits you deserve
It's important to understand Iowa's workers' compensation laws before filing a claim for benefits. Such an understanding will help ensure you receive the full amount of benefits you deserve.