Workers compensation insurance is a type of insurance employers must have. It is used to cover medical expenses, lost wages, and other fees when an employee is injured on the job. And while this is common knowledge, most people know little else information about workers’ compensation in Iowa. They hear information but sadly, it’s often nothing more than a myth. Today you can learn more about the common workers compensation misconceptions. The truth, as they say, can set you free.
Only Injuries On-Site Qualify
If your job takes you out on the road or to other locations and you sustain an injury at one of these locations, worker’s compensation still apply. It is a common misconception that the insurance coverage pays only for accidents that occur directly on the job.
You Don’t Qualify if the Accident Was Your Fault
You’re thinking about lawsuits in auto accident cases or other types of matters because that is not the case with a workers comp claim. If you caused the accident, iowa workers compensation law still covers your injuries. The only exception to this rule is if you deliberately hurt yourself or others on the job.
Only Full-Time Employees Qualify
Everyone on the job site qualifies for workers compensation insurance in the event they are injured. This is true regardless of the number of hours the employee works. Both part-time and full-time employees qualify for workers comp coverage.
If Your Claim is Denied, There is Nothing More You Can Do
If your workers’ compensation claim is denied for any reason, get in touch with a workers comp lawyer to learn how to file an appeal and the next steps to take in your matter. The case is not yet done simply because your claim was denied.