Workers' Compensation Eligibility | Des Moines ... - Iowa Workers

Workers? compensation eligibility extends to most workers in Iowa under the state?s compulsory system of workers? comp. All employers, save for a few exemptions, are required by law to provide workers? compensation claim coverage to employees. This coverage helps cover medical costs and disability compensation when a worker is injured.?

There is no waiting period for workers? compensation eligibility to start. Once an employee has begun working for an employer, these benefits are available immediately should they be injured on the job. Workers who become injured in Des Moines can consult a workers? compensation attorney for help recovering these benefits.?

Exceptions to Workers? Compensation Eligibility?

While the majority of workers in Iowa are covered through compulsory workers? compensation insurance if injured on the job, a handful of employee and job types are exempted from this law:?

• any domestic, casual or private home employee who earns less than $1,500 in the 12 months leading up to the injury;
• agricultural workers whose employers have a cash payroll of less than $2,500 in the prior year;
• exchange laborers in agricultural positions;
• those eligible for compensation under federal law;
• law enforcement officers and fire fighters already entitled to state pension and benefits;
• proprietors, partners and independent contractors; and
• members of a limited liability company.?

If there are any questions or concerns regarding one?s workers? compensation eligibility, injured workers can consult a Des Moines workers? compensation attorney to go over their right to recover compensation by filing a workers? compensation claim.?

Benefits Available Through a Workers? Compensation Claim?

Through workers? compensation, injured employees are due various benefits if hurt while on the job. It is not necessary to prove employer fault or negligence in order to claim these benefits.?

Benefits workers can claim include:?

• Medical benefits ? These cover the costs of treatment, medical care and prescriptions while the worker is injured. An employer-selected physician must be used.
• Temporary or permanent total disability ? These offer a percentage of the employee?s weekly wages while they injured. These last as long as the injury does, and do not expire.
• Permanent partial disability ? These also offer a percentage of the employee?s wage, however, they are terminated after 500 weeks have passed.
• Temporary partial disability ? These are available if the worker returns to a lower-paying position. They pay two-thirds of the difference between earnings before and after the injury.
• Vocational rehabilitation ? A workers? compensation claim may also provide compensation for rehabilitation designed to recuperate and retrain injured workers, with the goal of ultimately reentering the workforce.
• Death benefits ? In the event a worker is killed, these provide a portion of the employee?s wages to a surviving spouse, children and other dependents. There is also an allowance for burial costs.?

Getting Help from a Des Moines Workers? Compensation Attorney?

According to the National Academy of Social Insurance, in 2010, more than 1.4 million Iowa workers were covered by workers? compensation. Any worker who has been injured or otherwise hurt on the job should consult a Des Moines workers? compensation attorney as soon as possible for help filing a workers? compensation claim, and to go over workers? compensation eligibility.

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Source: http://www.iowaworkinjuryblog.com/workers-compensation-eligibility-in-iowa

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