WORKERS COMPENSATION
I Frequently Asked Questions

I. General Information about Workers' Compensation
A. How Do Workers' Compensation Laws Operate?
B. Who Is Covered by Workers' Compensation Laws?
C. What Is the Difference Between Workers' Compensation
      Benefit Claims and Civil Lawsuits?
E . How to Protect Your Rights
F. Categories of Injuries Covered by Workers' Compensation
G. What to Do If You Are Injured On-the-Job
H. Conclusion of General Information about Workers' Compensation

II. Employer Obligations
A. Duties
B. Penalties
C. State and Local Government Employees
D. Federal Government Employees

III. Conclusion

" Contact a Iowa workers compensation lawyer representing clients in Ames, Iowa today to schedule your free initial consultation."



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Employer Obligations

The workers' compensation system provides compensation for employees who were injured at work or suffered an illness because of their job. If the injury is great enough to result in death, workers' compensation benefits are paid to the employee's surviving spouse and children or other dependants.
In most states, employers are required to purchase workers' compensation insurance from an insurance company. In some states, large companies are allowed to self-insure, or act as their own insurance company. Small companies, those with fewer than three or four employees, may not be required to have workers' compensation insurance. When an employee is injured and files a workers' compensation claim, this claim is then filed with the insurance company, or with the self-insuring employer, who pays the workers' compensation benefits. These benefits may include medical and disability compensation, depending on your state.

Unless an employer falls within a specific exception (such as the exception for small companies), the employer without workers' compensation insurance may be fined and they may be subject to civil and criminal liability.

Duties

In most states, employers have extra duties in addition to carrying workers' compensation insurance. These duties may include:

Posting a notice of compliance with workers' compensation laws at each work site in a place that's in plain view.

Providing immediate emergency medical treatment if an employee is injured at work or on the job.

Offering further medical treatment if the injured employee is unable to pick a doctor or if the employee informs the employer in writing of a desire not to do so.

Keeping a log of injury reports for every accident that results in an injury. These reports should detail injuries that require medical treatment other than first aid or more than two treatments by a doctor or the person who provides first aid. Injury reports should also cover injuries that require time off work more than just the day or shift on which the accident occurred.

Sending a copy of the injury to the workers' compensation board office. The employer's insurance company should also be provided with a copy of the report. If an employer does not make an injury report, they may be guilty of a misdemeanor crime, which is punishable by fine.

Complying with requests for more information on injured workers when the request comes from the workers' compensation board or the employer's insurance company. The information that must be provided may include statement's of the employee's earnings before and after the accident, the date of the employee's return to work, or any other reports that may help determine the employee's work status after the injury.

DISCLAIMER: The information you obtain at our firm web site is not, nor is it intended to be, legal advice. It is recommended that you should consult an attorney for individual advice regarding your own situation.

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