First of all, understand that you pay into Workman's comp every day you work unless you're working for a company as a sole proprietor, sub contractor, contractor or a company that's not paying their taxes. This means this type of insurance is something you pay for and should receive if you have a claim. Iowa workers compensation is a State and Federal run organization and there are laws governing the entity. This type of insurance is for you if you get hurt at work through an accident, negligence, or even through the wrong training program. In fact, somewhere at work should be a poster that tells you what to do, and how to do it if you get hurt at work. Just like the organization has to follow guidelines so do you. So make sure you do follow those rules if you think you've been hurt at work. If you are hurt, make sure you tell someone and then file the proper paperwork. If you don't your claim may be disputed. They may think you got hurt at home or someplace else. They are very careful about these types of things because fraud is big business when it comes to claim payout. Once you can think, write down everything you remember about the accident. Including what you were doing before, during and after. Also include the time and date if possible. If you have any type of fall or injury during work, make sure you fill out the forms, often an injury may not be apparent until later in the day or even the next day. Here is simple example of why you should tell someone and fill out the paperwork as soon as possible- A tiny cut across the toes may not seem like much, but if it's deep enough you may loose the movement of the toe due to ligament damage. This is just one example of how a little injury can turn into a big problem. Iowa workers compensation is a type of insurance for you and your employer, make sure your employer is on the up and up and paying their taxes. Then, make sure you follow the rules in order to submit a claim. After all, you're paying for it.
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