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Iowa Workers' Compensation-Questions and Answers
Here are some general answers to questions often asked about the benefits of workers' compensation. Importantly, the outcome for each case is determined on the facts and circumstances.
Q: My employer responsible for medical expenses caused by my injury?
A: Yes, but usually your employer and / or your insurance company to decide which health care providers you see. In return, they are responsible for paying the medical care needed to treat their accidents. This includes all forms care and treatment, if the management of hospital tests, doctor, therapy, nursing, diagnosis, surgery, physical rehabilitation or pain. In addition, entitled to be reimbursed at a rate of $ 0.505 per mile on July 1, 2008, for all the miles will incur and medical appointments, therapy visits physics, etc.
Q: If the company doctor recommends surgery, do I have to have?
A: No, you have the right to refuse any treatment medical care or you do not want. For However, please note that failure to complete the surgery can have an impact on your case.
Q: My butt medical care when the doctor released me from treatment?
A: No, your employer and / or your insurance company is responsible for paying for care necessary to treat your work injury, however, as has been said that it will choose their providers. This includes all forms of care and treatment, if management of hospital tests, doctor, therapy, nursing, diagnosis, surgery, physical rehabilitation or pain. The right to health care and treatment may continue for the rest of his life for conditions related to your work injury or occupational disease.
Q: Do I have the right to cash payments if I can not work?
A: Yes While you are recovering and can not work, you will receive cash payments to replace their usual income. The amount of your payment is based on earnings before your work injury.
Q: I have a right to a second opinion?
A: Yes. Under Iowa law, once the company doctors have said that you are as good as you can get, which has reached MMI, you have the right to an independent medical examination by a doctor of your choice to an impairment and permanent restrictions. There are many doctors who specialize in giving a second opinion from workers' compensation cases.
Q: Once I've finished the treatment, if not recovered completely finished my case?
A: No. If your injury causes permanent damage, then they should receive a compensation for their disabilities. The amount owed is determined by the nature of their injury (ie, hand, back, neck, shoulders, etc), earnings before the injury work, impairment rating, and other factors.
Q: Can my employer fire after an injury at work?
A: Under the law Iowa that your employer is not supposed to fire for filing a workers compensation claim. However, it can be terminated for other reasons such as absences, labor problems, etc. Also, with some exceptions (for example, if you are a member of a union) in general, your employer does not find work if you can not return to his old job because of restrictions.
Q: What happens if I leave the job that hurt?
A: Leaving your job where you does not stop injured workers' compensation claim. The fact that you can receive workers' compensation benefits, does not mean you have to follow employment with the employer. However, quitting your job while in treatment may affect your case and receiving compensation.
About the Author
I offer a FREE Book entitled "Iowa Workers' Compensation- An Insider's Guide to Work Injuries". Why offer a Free Book? Over the past 11 years I have represented hundreds of Iowans hurt at work and too many have made mistakes before they had the "right" information costing them thousands of dollars. Quantities are limited so go to http://www.IowaWorkInjury.com .
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