Yes, workman’s comp can pay for lost wages in Iowa. In Iowa, workers’ compensation can partially reimburse lost wages, but only in certain circumstances.
How lost wage benefits work in Iowa?
Iowa law says your employer must pay for workmans’ compensation insurance if they have one or more employees. This insurance protects both you and your employer if you have a work-related injury or illness. If you get hurt on the job, this insurance can help pay for your medical bills and make up for some of the money you lose by being unable to work.
Let’s say you fall and break your leg while working at a grocery store. You need surgery and can’t work for three months. Workers’ compensation can help cover:
- Medical Bills: The cost of your surgery, doctor visits, hospital stays, and medications.
- Lost Wages: A portion of your salary while recovering and unable to work.
Figuring out how much you can receive and for how long can be tricky. The rules and calculations involved can be confusing. It’s important to remember that insurance companies are businesses, and sometimes, they might try to pay you less than you deserve.
When does Workman’s Compensation pay for lost wages?
According to Iowa law, an employee may obtain lost wages payment if they cannot work because they are taking care of an injury. This is known as “healing period benefits.” During this time, the employee cannot work and is actively receiving medical treatment to recover from their injury. The goal of healing period benefits is to help employees focus on their recovery without added financial stress.
To qualify for healing period benefits, the employee must be unable to work for a certain period, typically more than three days. The employer’s insurance company will then pay a portion of the employee’s lost wages, usually 80% of their average weekly earnings. However, there are limits to how much can be paid, and the amount may not fully replace the employee’s lost income.
What If I need to take time off for medical appointments?
If you need to take time off work for medical appointments related to your work injury, you may be eligible for “medical mileage reimbursement.” This reimbursement is designed to cover expenses incurred while traveling to and from medical appointments and other medical-related travel. While this is not the same as lost wages, it can help alleviate some of the financial burden of seeking medical care.
Why seeking legal help might be advisable.
Navigating Iowa’s workers’ compensation system can be complex and overwhelming, especially when dealing with a work injury. If you’re unsure about your eligibility for healing period benefits or medical mileage reimbursement, seeking legal help from an experienced workers’ compensation attorney may be advisable. They can help guide you through the process, ensure you receive fair compensation, and advocate on your behalf if disputes arise.
In conclusion, Iowa workman’s compensation can partially reimburse lost wages, but only in specific circumstances. If you’re an injured worker, it’s essential to understand your rights and options under Iowa law. By seeking legal help when needed, you can focus on your recovery and ensure you receive the compensation you deserve.