Individuals who suffer injuries on-the-job in Iowa typically have quite a few questions about their options. They may be exploring their short-term disability insurance policy for the first time, or maybe they need to dip into their savings. They may need to find someone to cover their work tasks if they need to take time off of work to heal and recuperate. But, one area that all injured workers need to be familiar with is workers’ compensation. Do workers in our area know the basics about workers’ compensation?

If not, knowing the basics about this program is essential when it comes to on-the-job injuries. Most employers are required to have workers’ compensation coverage. Many types of injuries are covered, but the injury in question must have occurred during the course of an employee’s regular work duties in order for an applicant to be qualified to receive workers’ comp benefits. If the injury did not occur “on the clock,” the employee likely will not be eligible for benefits.

When an applicant is approved to receive workers’ compensation benefits, certain medical expenses, along with a portion of expected earnings, are part of the financial payout. The amount is different in any given situation, depending on the worker.

Perhaps, the most important thing to know about workers’ compensation benefits is that an injured worker should not delay in submitting an application for benefits. There are certain time requirements that, if missed, could lead to an automatic denial of an application for workers’ compensation benefits.