Obtaining an injury while at work can be a strenuous situation on its own, but it can become more stressful when you need to file a claim. Sometimes this is necessary, as you may have medical expenses piling up that you cannot afford to pay. Workers compensation exists to reduce that strain if you are injured or become sick on the job. Hopefully, it will get you back on your feet and back to work faster. Here are answers to common questions that can get you on a faster route to recovery.
What Is Workers Compensation?
Workers compensation is an insurance policy taken out by employers that covers expenses for employees if they get hurt during work. The policies benefit the employee and the employers by providing security for both. Check to see if you employer has workers comp, as not all states require it by law.
Do You Need a Lawyer for a Workers Compensation Claim?
Whether you need a lawyer for your claim depends mainly on the complexity of your situation. If the facts of the accident are clear and straightforward, you may have no problem filing the claim by yourself. If you run into problems receiving compensation or there are disputes over how the accident happened, you may need a lawyer’s help in obtaining your rightful damages. Consider researching one near you by typing “Iowa workers compensation attorney” into an online search engine.
What Is Covered by Workers Compensation?
What is covered for your case will probably vary from all others simply because every situation is different. However, medical expenses and bills, treatments, physical therapy, lost wages and even funeral costs may be covered by your policy. Exemptions from workers comp include accidents that occurred from employees breaking company rules, getting into fights or injuries sustained while not on the clock.