Workers’ Compensation 101

Finding yourself in the hospital or at the doctor because of something that happened at work is more than aggravating. It may be painful and costly, depending on the circumstances surrounding the details.

How does health insurance work when dealing with a work injury? You may think you are responsible for paying. However, iowa workers compensation laws allow claims to be filed with an employer’s insurance carrier. Workers’ compensation may seem like a scary process, but knowing the basics can help you prepare for an unfortunate situation.

Reporting an Injury

To kickstart the workers’ compensation process, you need to alert your supervisor or the human resources department of your injury. Some injuries are severe and will not afford you the chance to at first. In these emergency situations, your employer is probably already aware of the incident. However, you still need to give a formal account of what happened at your earliest opportunity. It is not enough to tell your company that you got hurt. You must have a medical report from a doctor or care facility documenting the injuries or illness. A workers’ compensation claim cannot be opened without a medical report.

Opening a Claim

Once you report the injury, the employer is responsible for contacting their insurance carrier to open a claim. After this, an adjuster is typically assigned. This person’s job is to investigate the events leading up to the injury thoroughly. Some of the things an adjuster will do include:

  • Interviewing the injured employer
  • Investigating any personnel issues on file
  • Speaking to witnesses to the incident
  • Obtaining and reviewing medical records

During this process, the carrier may start paying medical providers for your treatment. You may even qualify for disability payments to supplement your income.

Suffering an injury is never convenient. The workers’ compensation claims process is something that you may want to get help with trying to get through, so you get the best possible outcome.