If you live and work in Iowa, you’ve probably at least heard of workers compensation insurance. Workers comp is a type of insurance that most employers are required to obtain to protect injured workers. The insurance covers all injuries that happen on the job or because of a worker’s job duties.
The insurance coverage provided doesn’t vary from policy to policy. Rather, it contains the same benefits for all injured workers. Most employees are covered by workers compensation, but there are some exceptions. If you work for a family member, then you might be wondering if you’re covered by work comp.
Are Family Members Covered in Iowa by Work Comp?
The answer is: no. Family members aren’t covered by workers compensation. These workers are considered exempt or ineligible to receive workers comp benefits if they are related to the employee. The only time a family member can be paid workers compensation benefits is if a family member dies on the job.
The spouse and surviving children can be paid out due to the worker being eligible for workers compensation.
What is Considered an Injury under Workers Compensation Laws?
The law leaves the definition very broad when defining an injury. It can be a health hazard, injury, or illness that has resulted from your employment. You can’t be paid workers compensation benefits for a preexisting condition, unless your working duties made your condition worse.
What Types of Benefits Can You Receive for Your Work-Related Injury?
When you’ve been hurt on the job, there are likely a few things you will worry about financially: your medical expenses, your lost wages, and your future earning potential. Your employer’s workman’s compensation insurance will most likely cover all three of these concerns.
- Your benefits will include payment of medical expenses related to your injury.
- You can also be paid replacement wages, also known as cash benefits, for all the time you will miss from work.
- If you are disabled by your injury or illness, you can receive payment for your disability. It could be a temporary disability, a partial disability, or a total long-term disability. You can be compensated for how your injury has affected you and your life.
- The family can also receive payment, as previously mentioned, for death benefits, should a worker be killed on the job.
Need Some Assistance Handling a Workers Compensation Case in Iowa?
Yes, workers compensation laws are confusing. Filing a claim can be difficult, and if you’ve recently been injured, you’ve got a lot on your plate already. It’s usually a good idea to contact a Des Moines workman’s comp lawyer who can assist you in filing your claim.
It’s very possible for the insurance company to deny a claim for a number of reasons. Having legal assistance is beneficial to you and your claim. Your attorney will know what to do to see that you receive the benefits you need until you can return to work.