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Bettendorf Workers' Compensation Blog

What do I do if my workers' comp claim is denied?

A workplace injury changes the course of your life. One minute, you are earning the money you need to support your family, and the next, you are in the emergency room wondering if you will even be able to return to your job in the same capacity.

Fortunately, Iowa's workers' compensation system provides support for injured workers. The higher the risk of your job, the more you may depend on the benefits offered, including lost wages and coverage of medical bills related to your accident. However, if you learn that the insurance company has denied your claim for benefits under workers' compensation, you may wonder where to turn.

You can take charge of your own safety in the workplace

Safety authorities in Iowa, like the Occupational Safety and Health Administration, expect your employer to protect your health and safety in your Iowa workplace. However, it might be a good idea to take some precautions yourself, instead of relying on your boss, who might focus more on profits than employee safety. You can be a victim of an occupational injury or illness regardless of the industry in which you work.

If you should slip or trip and fall and strike your head against a hard object, you could suffer traumatic brain injuries whether you are on a construction site or in an office. The same applies to strains and sprains from lifting heavy objects in any workplace.

Are you exposed to ergonomic workplace hazards?

The Occupational Safety and Health Administration creates regulations to govern the provision of safe work environments in Iowa and other states. Although it prescribes safety regulations that are specific to some industries, it also keeps a lookout for the safety of those in other industries, and expect employers to take the necessary steps and precautions to protect the health and safety of all employees.

Repetitive strain and musculoskeletal injuries are prevalent in many industries, and OSHA recommends ergonomic assessments to identify hazards that might cause these injuries. Modifications to workstations can help to eliminate ergonomic hazards and to avoid lost workdays and high medical costs for employees.

Do you understand your rights to workers' compensation benefits?

The purpose of workers' compensation benefits is the support and care of individuals who suffered injuries in work-related accidents. You may know that you have a rightful claim to this financial support after suffering an injury in a workplace accident, but it is beneficial to understand this process and what to expect when filing a claim.

Most employers are required to carry this type of insurance. This offers employers a certain amount of protection because by seeking these specific benefits, an employee relinquishes his or her right to sue. An Iowa employee has security knowing that support is available in the event of a workplace accident.

How much can you rely on workers' compensation benefits?

Construction workers in Iowa face multiple safety hazards every day. You might have witnessed co-workers suffering serious or even fatal injuries. Some of them may be unable to return to work for extended periods -- if at all. You might find comfort in knowing that the Iowa workers' compensation system will have your back if you should suffer severe injuries.

But, how reliable is the system? The workers' compensation program entitles you to benefits that will help you take care of your financial obligations while you are incapacitated. The most basic benefits will cover your medical expenses and lost income.

What do you need to get back to work after a workplace accident?

When Iowa workers experience injuries in the workplace, they may experience both financial losses and physical setbacks. If you are currently unable to work, your goal is likely to get better and get back to work as soon as possible. Fortunately, there are tools available to you through workers' compensation insurance that can help you accomplish this goal.

Workers' compensation exists for the purpose of supporting workers who suffer injuries in the workplace or while carrying out their job-related duties. These benefits include recovery of a portion of lost wages, recovery of medical bills, as well as benefits that can help you get back to work.

Are you the only one concerned about your safety at work?

In an ideal world, workers in Iowa and elsewhere would be able to trust their employers with their safety and health. Unfortunately, that will likely remain a dream because, every year, the Occupational Safety and Health Administration publishes a similar list of most cited safety violations. A comparison from year to year underscores the fact that many employers continue to prioritize profits over employee safety.

For that reason, you may be wise to take note of the hazards in your work environment, and do what you can to protect yourself. Fortunately, the workers' compensation insurance system has the backs of injured workers and the surviving families who lose loved ones in work-related accidents.

Never trust a fall protection harness with your life

Does your job involve working at heights and relying on a fall protection harness to save your life if you should fall? You may not realize that the protection equipment can arrest the fall before you hit the ground, but your life will remain in danger. Your survival may depend on the prompt arrival of rescuers to get you out of the safety harness.

Your Iowa employer is responsible for your health and safety on the job, and this responsibility includes providing comprehensive training in the correct use of fall arrest systems. It is essential for you to learn about the risks of suspension trauma, and also how to stay safe.

Do you struggle to button your shirt? You might have HAVS

Does your job include the use of vibrating, handheld power tools like a jackhammer, chainsaw or an industrial impact grinder or wrench? Then you might start noticing signs of Hand Arm Vibration Syndrome (HAVS). If you ignore the signs too long before seeking medical treatment, it could cause long-term harm.

Thousands of workers in various industries in Iowa work with vibrating tools that threaten their health and expose them to this work-related disorder. The repetitive motion of the intense vibration damages nerves, blood vessels and muscles in your wrists and arms while you operate such tools.

Is your job making you sick? You could have a claim

Iowa workers know that they likely have a rightful claim to workers' compensation if they get injured at work. However, you could have the same rights if your work makes you sick. There could be factors involved with your job that could eventually lead to the development of illnesses or other medical conditions.

Occupational illnesses could be grounds for a workers' compensation claim, but it is not always easy to actually obtain these benefits. If you think your work is making you sick, you would be wise to take quick action to protect your interests. It doesn't matter what type of job you have, if your work is the cause of your occupational illness, you have rights.


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