Frequently Asked Questions about Iowa Workers’ Compensation Law

Iowa workers’ compensation law is designed to help workers get the assistance they need when they are injured on the job. As with any legal arena, however, it is understandable to have confusion about what these rules cover. Below is a brief question-and-answer segment, inspired but what is frequently brought up during consultations for legal services.

Is Workers’ Compensation Required for All Types of Employment?

Workers’ compensation insurance is required for almost every business in the state. The insurance provides the benefits that people receive after their claims have been approved. Certain categories of employment, however, are exempt from this requirement. They include, but are not limited to:

 

•           People Working for a Relative

•           Exchange Labor in Agriculture

•           Police Officers and Firefighters Entitled to Benefits from a Pension Fund

•           Federal Employees Entitled to Benefits under Any Rule of Liability or Method of Compensation, Established by the United State Congress

Are Iowa Business Owners Required to Be Included under Their Own Workers’ Comp Policy?

If you are a business owner, your ownership status determines if you need to enroll in the policy you have chosen for employees. You may be exempt from workers’ compensation coverage if you are a sole proprietor (independent contractor, or if you are a partner who is actively engaged in the owner’s business full-time. Members of limited liability companies are also exempt.

Getting injured on the job can bring about a period of uncertainty. If you have been hurt at work, it is crucial to report the injury to your employer as soon as possible and file a claim. Consulting with an Iowa workers’ compensation attorney can also be a prudent course of action if you doubt that your employer will treat you fairly.