While working hard for you and your family, accidents can happen. No matter whose fault, you should receive some form of compensation to keep the bills paid while you recover. How should you go about it?
What Should You Do First?
Obviously, the very first action you should take if you are injured on the job is to seek medical attention. If it’s a health problem that has slowly manifested over time from exposure to harmful chemical or biological substances, go to a doctor as soon as you are aware. Keep records of all medical advice and visits. You can report the incident to your employer within 30 days, and they will most likely have you fill out a claim. Be sure to keep records of all forms and correspondence.
What Are You Owed?
According to iowa workers compensation law, you should be paid 2/3 of what you would have been paid on the job during your absence. However, your employer may withhold compensation if drugs or alcohol were in your system during the time of the incident. You should also be aware that you cannot claim state disability if you are receiving workers compensation.
Should You Go To Court?
This is typically not necessary, but if your injury is the direct result of your employers’ recklessness, intentional actions, negligence or defective equipment you may have cause to sue. You may also wish to hire a lawyer if your claim is denied or ignored, you are not receiving payments or the rate is incorrect. You can also pursue legal action if you do not believe you received adequate medical attention.
The average blue collar employee cannot afford to go without a paycheck for any substantial period of time, let alone foot expensive medical bills. It is an employers responsibility to protect their workers’ well-being by providing compensation for injuries that happen on the job.