Being injured on the job can deprive you of your
livelihood. For this reason, workers’ compensation is required so that
individuals have the means to get aid while they are recovering from an
accident. Orthopedic injuries in Southern Iowa are one of the leading causes for
filing compensation claims in the state. Here is a primer on workers’
compensation.
What Kind of Injuries Are Covered by Workers’ Compensation?
Iowa workers’ compensation law provides a very broad
definition of an injury. It includes any health impairment other than the
normal building and tearing down of body tissues. In order for a worker to file
a claim for workers’ compensation, the health impairment must have been the
result of employment activities.
Orthopedic injuries are any injuries to the
musculoskeletal system. The affected parts may include bones, joints, and
muscles. As such, workers who have to perform many physical actions as part of their
job requirements are susceptible to an injury—ranging from tasks like typing
to lifting heavy objects.
When an employee qualifies for Iowa workers’ compensation, they are entitled to two
types of benefits: medical benefits and disability benefits. The payments are
meant to help cover the costs incurred from recovering from an injury,
including wages lost due to the recovery period.
How Does Someone File a Claim for Workers’ Compensation?
When an employee gets injured on the job, they are
required to inform their employer and then submit a claim to the employer’s
insurance company. From there, the insurance company evaluates the case and
provides a payment to the worker based on their findings.
Workers’ compensation is meant to help people. However, it can also be a convoluted process—especially if a claim is denied. If you have been injured on the job or have recently had a claim denied, it is important to remember that you have options. Consulting with a disability lawyer can help you assess your situation to arrive at the best possible outcome.
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