Things To Know About Workers’ Compensation Eligibility

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Your workers’ compensation eligibility is based on a few factors. Therefore, before you search for an Iowa workers compensation lawyer, consider the following eligibility requirements.

Coverage

Every job-related injury or illness is typically covered by workers’ compensation insurance. If the injury occurred while you were completing job-related tasks, you should be covered. Therefore, whether you tripped over boxes in a hallway or get in an accident while you are delivering company products, you are covered.

Though they may be a bit more difficult to prove, illnesses, even those that take years to show up and get worse over time, are also covered under workers’ compensation insurance. For example, carpal tunnel syndrome, though it takes years to develop, is covered if it is proven to be the result of an employee’s job duties, such as those that require repetitive motion.

Even more difficult to prove are mental illnesses that result from work. For example, stress-related illnesses are notoriously difficult to prove. However, PTSD as a result of a work-related incident may be covered more willingly.

Employment Status

You must be considered an employee to receive coverage. Therefore, seasonal, temporary and part-time employees are covered. However, independent contractors, volunteers and consultants are not typically covered under workers’ compensation insurance. You need to know your employment status to determine your claim eligibility. However, if you are not covered, you may be able to sue the company directly.

Reporting Deadlines

Injured employees must report their injuries as soon as possible. Although state laws differ, from 12 months to 2 years, the sooner you report your injuries the better. In addition, insurance companies are likely to deny claims to those who wait weeks or months to report. You are responsible for reporting, however, so be proactive.

If you have questions about your eligibility, consider consulting a workers’ compensation attorney.

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