Workman’s compensation is insurance coverage that is available through an employer to cover medical and living expenses if an employee is injured in the job. However, it has a bit of a reputation for difficulty in getting timely or complete payments for covered incidents. Here are some guidelines to help ensure that if you’re hurt at work, you’re needs will be taken care of.
Workman’s compensation differs from state to state. The time to find out about your state’s requirements is not after you’ve had an accident, but when you begin a new job. Most employee handbooks cover the essentials, and many state laws require employers with more than a certain number of employees to post in a prominent place information about over-time, workman’s comp and other labor laws.
If you’re hurt on the job, make certain that you report and document the incident immediately. Make sure that all necessary paperwork is properly filled out and given to your manager or human resources director. Make certain that you also check that your employer has filed your claim and other necessary paperwork with the local workman’s compensation office in a timely manner. Many states have a time limit for filing claims, so it’s important to keep on top of things.
If you require hospitalization or medical care at the time of the incident, a claim will probably be filed on your behalf either at work or at the medical facility. If you require follow-up care, or you need to see a doctor after the initial accident, get documentation of the visit, diagnosis, and prognosis to file with your claim. You may also be entitled to reimbursement for after-care and living expenses while you recover, so keep any receipts and documentation for those expenses as well. Make sure that you make at least two copies of all paperwork and receipts, so that you will have at least one for your records. You should also request copies from other involved parties of any correspondence and paperwork you receive from them.
If you’ve been injured on the job, and you’re having trouble getting workman’s compensation to cover your medical and other expenses, you may need to contact an Iowa workers compensation lawyer. A knowledgeable attorney who has experience in workman’s compensation laws can evaluate your situation and let you know if there’s a way they can help.