5 Common Questions About Workers Compensation

Workers compensation is often necessary for people who work in fields where there is a risk of bodily injury. This kind of compensation is taken out by employers and designed to cover all costs for an employee who is injured while working. Here are answers to five of the most common questions about workers compensation.

What Does Workers Comp Cover?

Workers compensation is used to supply costs for injuries, health issues and death caused on the job. Medical injuries are the most commonly covered expense. If an employee has to miss work because of their injury, workers comp pays them the wages they would have normally been making.

Do You Need a Lawyer If You Get Injured?

Whether you need a lawyer for your workers comp claim depends on the situation. If your case is relatively simple and straightforward, you may have no trouble filing the claim yourself. Not every claim is easy, however, and you may want to hire a lawyer if you run into obstacles on your path to compensation. Search for a lawyer online like “Iowa workers compensation attorney” to find one near you.

What Isn’t Covered?

Injuries that occur due to an employee’s negligence may not be covered by insurance. If an employee starts a fight, is under the influence of drugs or alcohol or disregards company safety policies, they may be barred from compensation.

Can You Sue Your Employer?

If your employer has workers compensation insurance, you cannot sue them. This is intended to encourage employers to get workers compensation. You can only file a claim.

What Should You Do When You Get Hurt?

If you’ve just suffered an injury after an accident, report it to your superiors right away. Waiting could decrease your chances of getting compensation. See a doctor as soon as possible to get checked out. Request a claim form from your employer to fill out.