Posted in Iowa workers comp

5 Facts About Workers Compensation Insurance

If you are injured on the job, workers comp insurance is available to help pay the costs of your medical treatment. All employees are entitled to the benefits, regardless of responsibility for the accident. The insurance pays not only for the medical bills endured after an injury, but missed time from work as well. If you suspect that you may need to file a workers comp claim, here are five more important facts to keep in mind.

1.    Injuries can happen in any industry, but they’re more common in some industries than in others. More accidents and injuries occur in laborer positions, truck drivers, and janitorial industries than others.

Iowa workers comp

2.    There is a process that you must complete to file a claim for Iowa workers comp benefits. First, report the injury to your supervisor. Second, get medical attention for an approved medical provider. Third, file the appropriate paperwork.

3.    You may need a workers comp attorney if your claim is denied. There are many reasons for claim denial, including incomplete or improperly completed paperwork, failure to complete paperwork on time, and others.

4.    If you need a lawyer, most work on a contingency basis. It is hard to cover the costs of an attorney after an injury on the job. Lawyers make sure that you do not miss out on the benefits that you’re entitled to as the result.

5.    Workers compensation insurance pays for your medical bills when you are injured, but it also helps in your recovery and rehabilitation. If you are injured, this insurance provides the necessities to get back to your old self again.

Hopefully you won’t sustain an on-the-job injury but if you experience the misfortune, use this information to help you through the difficult time. It can make a difference in the outcome of this devastating event.