No sane employer wants a member of their workforce injured while working. Nevertheless, unexpected accidents do happen.
In case an employee is seriously hurt on duty, the employer has two major responsibilities: One, he or she should ensure that the injured worker is taken care of medically. Two, the employer is legally bound to apply safety measures at work to ensure that the misfortune does not happen again.
Iowa workers compensation law requires every employer to maintain a safer working environment. Any damage suffered by an employee on the job is subject to compensation, and an Iowa work comp attorney can help an injured worker get the most from their claim.
What Damages Are Eligible for Compensation in Iowa?
Almost every employer in the country needs to provide coverage for their employees in relation to illnesses and injuries suffered at work. It’s illegal to deduct the employees’ pay to cover the compensation premiums. All workers should be covered by the insurance policy except the following:
- Domestic casual workers who were paid less than $1,500 during the last twelve months prior to the damage
- Agricultural workers who were paid less than $2,500 during the last twelve months prior to the accident
- Immediate family to the worker in the agricultural sector
- Firefighters and police who are protected by the Iowa pension trust
- LLC members
Generally, the Iowa Work Comp Damages Policy covers the following cases:
- a) Injuries Suffered at Work: Iowa workman’s comp is designed to cover medical expenses for injuries suffered by employees at work. The policy covers all medical and non-medical expenses, such as disabilities and lost wages. This means that an employee can have his or her expenses catered to while recuperating at home. Since the long-term injuries require intensive medical care, the injured subject is able to get the necessary financial help to recover.
- b) Illnesses Suffered at Work: At times, a worker may get sick after contracting a pathogen on duty. If the illness results in the subject being hospitalized, Iowa work comp insurance coverage comes into play. The employer is expected to shoulder the medical costs and expenses of the employee until he or she is fit to work again. Illness cases are common in the biochemical and agricultural sectors.
- c) Death: If it happens that a worker gets killed at work, the employer is able to pay death benefits to the listed beneficiaries or family members. Other than accidents, an employee can die from violence or a criminal invasion.
Unfortunately, the employer can deny compensation for damages suffered by the employee if any of the following obtain:
- The damage is a result of the employee working under the influence of alcohol or any illicit drug
- The worker was committing an unlawful act during the time of the injury
- The injury is found to be self-inflicted
If it happens that the employee’s claim for compensation is denied, he or she has the legal mandate of challenging the decision in court. The subject should file a petition at the commissioner’s office. The commissioner can then decide if the employer should be compelled to pay work comp damages. In case of death, the listed beneficiaries or family members can file the petition.
Who Benefits from Iowa Work Comp Benefits?
The Iowa work comp policy is beneficial to both the employer and the employee. The employer benefits by knowing that his or her valuable employee will get the best medical care. The policy also protects the employer from being sued by the employee for negligence. As for the employee, he or she benefits from adequate compensation for damages suffered. The benefits are usually timely, and the employee does not need to seek legal help unless the employer fails to comply.
The state of Iowa runs under the jurisdiction of the National Council for Compensation Insurance (NCCI), and this means that the premiums are based on NCCI’s evaluation of the risks. Overall, your premiums will be calculated depending on the base rate for employees, the total yearly payroll of the company, and the organization’s risk assessment.
Employers in Iowa can buy a workers compensation policy from the private market or the state fund. A majority of licensed insurance companies in the United States can write the policy. Generally, a workman’s comp policy is an important cover for all workers and companies in Iowa as both parties are protected.