Workers’ compensation can be a confusing topic, especially with so many misconceptions floating around. Below, we clear up some of the most common mistaken beliefs, which can help you understand your rights and pursue the workers’ comp benefits you deserve.
Misconception 1: You need to prove negligence
Many people think they need to prove that their employer or another employee was negligent to receive workers’ compensation. This is not true. Workers’ compensation is a no-fault system in Iowa, which means you don’t have to prove your employer did anything wrong. If you get hurt while at work, you’re generally eligible for benefits regardless of fault. That said, there are exceptions in cases involving intentional or willful injuries.
Misconception 2: Only severe injuries are covered
Another common belief is that workers’ compensation only covers severe injuries. In reality, it covers a wide range of injuries and illnesses, from minor sprains to repetitive stress injuries like carpal tunnel syndrome. Benefits could even be available in cases involving work-related emotional stress.
Misconception 3: You’re ineligible if the injury happens off-site
Some think that if an injury happens off the work premises, workers’ compensation doesn’t cover it. However, benefits can cover injuries that occur off-site as long as they are work-related. This includes injuries sustained during business trips or while running work-related errands.
Misconception 4: Notification requirements are flexible
A common misconception is that you can notify your employer about a work-related injury whenever it’s convenient. This misconception can cost you your benefits. In Iowa, you must notify your employer within 90 days of the injury or when you became aware of the injury.
Misconception 5: Filing a claim equals suing your employer
Filing a claim for workers’ compensation is not the same as suing your employer. It’s a request for benefits under your employer’s insurance policy, not a lawsuit. This process is designed to be straightforward and non-adversarial.
Protect yourself after a work accident
Understanding these points can help you feel more confident about pursuing the benefits you deserve after a work accident. Don’t let misconceptions prevent you from getting the help you need. Call Platt Law Firm today to talk to an experienced Iowa Workers’ Compensation Lawyer about your rights.