A double-edged sword called Employees Compensation Act of Iowa

This compensation act is devised to provide specific benefits to employees who are injured, or have been the victim of an occupational disease or have sufferance of loss because of the working environment. The benefit is also extended to employees with a pre-existing injury if that was aggravated and or worsened because of the employment.  Use the Iowa Workman’s Compensation well and get its benefits.

This is a remedy which is exercised over the employer by the employee as a best and last piece of defense to make good for the loss suffered from the employment.  Benefits are payable to the employee irrespective of who’s at fault when an event happened.

Eligibility extends to employees who are injured while working in Iowa either as a regular employee or as a contractor.

Most disputes are resolved by a clear discussion between the employer and employee; however in case if the dispute is not amicably resolved, then this is escalated to the workmen’s compensation commissioner.  It is only advised to have a legal representative to work the case and also concerned employee should counsel with the compliance team of the commissioner’s office to understand other options.

Coverage works in two ways:

  1. If the employer is self-insured then the benefit is paid to the employee.
  2. If the employer provides insurance coverage by buying a policy for the benefit of the employee and paying regular premiums on such policy. In a situation which triggers an insurance claim, an employer would take it up with the insurance company and pay the sum to the employee.

If the employer fails in the above two ways, an employer may be liable to an employee either to pay workmen’s compensation benefit or civil damages.

Types of benefits paid out:

There are two types of benefits paid out to employees under this act, Medical and Disability benefits.

Medical benefits:  Payment includes all the reasonable and required expenses for medical treatment including transportation charges.  Also, an employer may have to pay lost wages due to non-attendance of duties during the ongoing treatment.

Disability benefits:  These payments should not exceed 80% of employee’s weekly take-home salary

The disability benefits are divided into two types.  They are a Temporary and Permanent basis of the injury, recovery period and the loss of wages during the period.

As per the law, benefits should be paid promptly, so as to avoid hardship for employees.  A written report of the injury with verification may be a pre-requisite for most employers and insurance companies to release the benefits.

Posted in: Law