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Workman’s Compensation in Iowa: A Guide to Securing Your Rights After a Workplace Injury

February 6, 2024

Workman’s Compensation in Iowa: A Guide to Securing Your Rights After a Workplace Injury

February 6, 2024

Workplace injuries can be physically and emotionally taxing, leaving individuals not only dealing with the pain of their injuries but also grappling with the complexities of seeking compensation. In Iowa, understanding the process of filing for workers' compensation benefits is crucial for those who have been injured on the job.


In this comprehensive guide, we'll explore the key steps involved in pursuing workman's compensation benefits through a lawyer, ensuring that individuals are equipped with the knowledge and support needed to protect their rights.


Understanding Workman's Compensation in Iowa


Immediate Reporting of Injuries


When an injury occurs at the workplace, it is imperative to report it to your employer as soon as possible. In Iowa, there are strict time limits for reporting injuries, and failure to report promptly could impact the eligibility for workers' compensation benefits.


Seeking Medical Attention


Seeking prompt medical attention is not only essential for your well-being but also for the success of your workers' compensation claim. Iowa law allows injured workers to choose their own doctor, but notifying your employer about your choice is vital to ensure coverage.


Notifying Your Employer


Informing your employer about the injury is a crucial step. Even if the injury seems minor at first, it's important to report it promptly. Delayed reporting can raise questions about the legitimacy of the claim.


The Role of a Workers' Compensation Lawyer


Engaging the services of a workers' compensation lawyer in Iowa can significantly impact the success of your claim. Here's how:


  • Navigating Complex Paperwork: Filing for workers' compensation involves extensive paperwork. A lawyer can guide you through the process, ensuring that all necessary forms are completed accurately and submitted within the required timelines.
  • Determining Compensation Amounts: Calculating the appropriate compensation for your injuries can be complex. A lawyer can assess the full extent of your injuries, factoring in medical expenses, lost wages, and potential future costs, to determine a fair compensation amount.
  • Advocating for Your Rights: Insurance companies may attempt to minimize compensation payouts. Having a lawyer ensures that you have a dedicated advocate fighting for your rights and a fair resolution.
  • Handling Appeals: If your claim is denied, a lawyer can guide you through the appeals process. This involves presenting a compelling case to demonstrate the legitimacy of your injuries and the need for compensation.


The Benefits of Hiring a Workers' Compensation Lawyer


Reducing Stress and Complexity


Dealing with a workplace injury is stressful enough without navigating the complexities of the workers' compensation process alone. A lawyer can handle the legal aspects, allowing you to focus on recovery.


Ensuring Timely Filing


Workers' compensation claims have strict deadlines. Missing these deadlines can jeopardize your eligibility for benefits. A lawyer ensures that all paperwork is filed correctly and within the necessary timeframes.


Maximizing Compensation


Lawyers have a deep understanding of the factors that contribute to compensation amounts. They work to ensure that you receive the maximum compensation available, accounting for both immediate and long-term costs associated with your injuries.


Navigating Disputes


If disputes arise during the claims process, a lawyer can negotiate on your behalf or represent you in hearings. Their expertise in workers' compensation law is invaluable in addressing challenges that may arise.


At Schott Mauss & Associates, PLLC, we understand the challenges that follow a workplace injury, and our experienced workers' compensation lawyers are dedicated to providing personalized support to injured workers in Iowa. If you've been injured on the job, don't navigate the complex legal landscape alone.


Contact us today for a consultation, and let us be your advocate in securing the compensation and support you rightfully deserve. Your well-being is our priority, and we are committed to helping you rebuild your well-being and move forward after a workplace injury.

Navigating Workers' Compensation in Des Moines, IA: A Comprehensive Guide

July 26, 2024
In the heart of Iowa lies Des Moines, a bustling city where industries thrive, and workers contribute to its vibrant economy every day. However, with work comes the potential for workplace injuries, and understanding your rights and benefits under Iowa's workers' compensation system is crucial. Whether you're an employee, employer, or simply curious about how the system operates, this guide aims to provide clarity on navigating workers' compensation in Des Moines, IA. What is Workers' Compensation? Workers' compensation is a form of insurance that provides wage replacement and medical benefits to employees injured in the course of employment. In Iowa, this system is designed to ensure that injured workers receive prompt medical treatment and financial support while protecting employers from lawsuits related to those injuries. Key Aspects of Workers' Compensation in Iowa 1. Eligibility: Most employees in Iowa are covered by workers' compensation, regardless of whether they work full-time, part-time, or seasonally. Independent contractors typically do not qualify for workers' compensation benefits unless specific criteria are met. 2. Covered Injuries: Workers' compensation covers injuries that occur while performing work duties, including accidents on company premises, injuries from lifting heavy objects, repetitive strain injuries, and occupational diseases. 3. Benefits: Medical Treatment: Covers all reasonable and necessary medical treatment related to the work injury or illness. Lost Wages: Provides compensation for a portion of lost wages if the injury causes temporary or permanent disability. Permanent Disability: If the injury results in permanent impairment, workers may receive additional benefits based on the severity of the disability. 4. Filing a Claim: Report the injury to your employer immediately or as soon as reasonably possible. Your employer should provide you with a First Report of Injury form to complete. File a claim with the Iowa Division of Workers' Compensation if there are any disputes or if benefits are denied. 5. Dispute Resolution: Disputes regarding benefits or claims are resolved through the Iowa Workers' Compensation Commission, which oversees hearings and decisions related to workers' compensation cases.

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The basics of a bad faith claim

February 17, 2023
On Behalf of Schott Mauss & Associates, PLLC | Bad Faith Claims If you’ve been injured on the job in Iowa, then you’re probably finding yourself overwhelmed. You might be struggling to ease your pain, and it might be worrisome to say the least to think that you’ll no longer have an income on which to support yourself and your family. Of course, you might take relief in the fact that you might be entitled to workers’ compensation benefits, but what happens when an insurance company keeps brushing you off to avoid paying out? If this happens, you shouldn’t continue to sit back and wait for the money to which you are entitled. In fact, you may be able to pursue a bad faith claim . Under the law, insurance companies are supposed to act in good faith and act reasonably when it comes to processing claims. When insurance companies act unreasonably and fail to pay benefits , then a bad faith claim may be justified. Generally speaking, to prove a bad faith claim you have to meet two legal elements. The first is that your claim for benefits was valid despite the claim being denied. Second, you must show that the reason why the benefits are being withheld is unreasonable. This usually requires an intentional bad act on the part of the insurance company, such as misrepresenting facts, failing to explain reasons for claim denials and failing to have reasonable standards related to the investigation of claims. Bad faith claim lawsuits can be quite challenging. It is often difficult to prove intentional wrongdoing, and insurance companies are often represented by teams of experienced and aggressive attorneys. This shouldn’t frighten you into inaction, though. Instead, it should motivate you to find the help you need to fight for what you deserve.

Examples of employer and insurer bad faith

February 17, 2023
On Behalf of Schott Mauss & Associates, PLLC | Bad Faith Claims Being injured on the job is no small thing. It can leave you with extensive pain that can last for weeks or months, and it can leave you facing financial uncertainty as you struggle to find a way to pay medical expenses and make up for lost wages. This is where a workers’ compensation claim should help. Sadly, far too many Iowa residents find themselves struggling to work with their employer and their employer’s workers’ compensation insurer. This can cause claims to stagnate and financial uncertainty to grow. The good news is that an injured worker may be justified in taking legal action against these parties when those parties are acting in bad faith. As we discussed previously on our blog, a bad faith claim can be successful if it can be shown that the initial claim was likely to be successful and the reasons for withholding the benefits is unreasonable. But how do you figure out what is unreasonable? It helps to look at some examples. Obviously, unreasonable delays can constitute bad faith . Generally, claims should be assessed within 60 days. Sometimes employers and insurance companies misstate the law or engage in deceptive practices. Other times insurance companies simply refuse to pay valid claims, or they make threatening statements to avoid a claim being filed. Each of these acts could serve as the basis for a bad faith claim. If you’ve been injured on the job while performing your job duties, then you may be entitled to pursue workers’ compensation benefits. When employers and insurance companies illegally interfere with these benefits, additional legal action may be justified. To learn more about this area of the law and how it might apply to your situation, consider discussing the matter with a professional.

Workers’ compensation being withheld? Bad faith may be to blame

February 17, 2023
On Behalf of Schott Mauss & Associates, PLLC | Bad Faith Claims Individuals who work in Iowa shouldn’t have to fear for their financial stability in the event of a workplace injury. After all, most employers are required by law to carry workers’ compensation insurance. This means that those who are hurt while performing their job duties should be able to secure workers’ compensation benefits in a timely fashion to help offset their lost wages and medical expenses. Yet, far too often insurance companies delay paying out on valid claims. For many injured workers, these delays can be financially devastating. They may be put at risk of losing their home and vehicles, and their medical bills may wind up in collections. It may even be challenging for these workers to put food on the table. Some are even forced to turn to high interest loans to make ends meet, which, in turn, can initiate a debt spiral that is difficult to escape from. Fortunately, legal action can be taken against insurance companies that mishandle claims. Known as bad faith claims, there are many facts that can give rise to this type of legal action. However, each of these factual situations generally result in the breach of some duty owed to a worker. These duties typically include the duty to investigate the claim. In conjunction with that, insurance companies should provide a reason why a claim is denied, and the determination of a claim cannot be unreasonably withheld . So, Iowans who have been injured on the job need not sit back and accept whatever an insurance company offers them. Instead, they can be proactive in the claims process by trying to understand the insurance company’s actions or inactions. Those who feel that their benefits are being unreasonably withheld or denied without reason, including inadequate investigation of the claim, may have a successful bad faith claim .

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