Thousands of Iowans sustain devastating injuries at work from different work-related accidents such as lifting, bending, and twisting among others. So, what will Iowa work comp cover and what won’t they cover? While all employers are expected to carry a workers compensation insurance and employees are entitled to work comp benefits, some injuries may not qualify.
When one thinks about workers compensation, it is all about serious injuries—tragic machinery-related accidents, falls from great heights, or transport accidents. However, not every injury is quite that serious and not every injury is covered under the Iowa law. If you are not sure whether your injuries qualify for compensation, here are health conditions for which you would NOT expect benefits:
Stress can get serious and have overwhelming impact on one’s life. Some of the conditions resulting from stress are depression, anxiety, hypertension, heart conditions, and relationship issues. Unfortunately, stress acquired from work more or less comes down to a mental health concern, which is not covered under workplace injuries.
Continuous movements can result in injuries which can worsen over time. Because the cause is not easily identified, they cannot always be linked directly to a particular cause. Lack of evidence from your doctor or help of the attorney can make it difficult for you to claim for compensation in some of these cases.
Mental Health Problems
In some cases, a person may experience mental health problems arising either directly or indirectly from the kind of work he or she does. Given that it is not easy to determine whether such mental conditions are due to work or some other cause, it can be tricky to file a claim for compensation under the Iowa workers compensation law. However, if your mental health problems are as a result of the previous injuries, you stand a chance to make a successful claim.
Aggravation of Pre-Existing Injuries
Under the Iowa law, any injury due to a pre-existing condition cannot be grounds for workers comp. For example, if you suffer a heart attack at home and there is a record to show that you have similar health issues in your family, it is highly unlikely that your problem is job-related. However, a worker is entitled to workers compensation for aggravation of a health condition as a result of work. For example, if an individual had a high blood pressure and that his job caused further strain, leading to a heart attack, then he or she can claim benefits.
When Work Injuries Occur Outside the Workplace
Jobs entail many different tasks and duties, all of which have a different impact on a person’s well-being. Workers compensation covers most job-related injuries, including those that do not occur at the workplace. This means that an employee can claim and obtain benefits for injuries sustained anywhere, provided he was in line of duty, for example, when traveling for work, at a workplace other than the usual job site, or at a social gathering where all other workers are invited. However, when an employee sustains injuries while on his way to or from work, they do not qualify for compensation no matter how serious they may be.
Call on a Competent Workers Compensation Lawyer
Having trouble filing for compensation following workplace injury or illness? While there are many health conditions you wouldn’t expect to be covered under workers compensation law, a competent lawyer can help you get your claim approved. Determining the eligibility of your injuries for compensation can be tricky and handling the paperwork can be cumbersome. Fortunately, a workers comp lawyer in Iowa can help you determine whether your injuries are covered and help you fight for your benefits.