Each year thousands of Iowans are hurt at work, but unfortunately many make common costly mistakes which could have been avoided. We will expose some of these and tell you how you can avoid making one or more of them. These are based upon more than 100 years of combined experience and having successfully represented hundreds of injured workers:
- FAILING TO TIMELY SEEK MEDICAL TREATMENT– If you have been hurt while working, one of the most important parts of your case is your medical treatment and the medical records that your doctors, physical therapists, etc. prepare. If you delay or don’t bother seeking medical treatment not only will you not receive proper medical care, but it can be used against you by the insurance company to deny your claim. If you are having medical issues because of a traumatic injury like a fall, lifting, incident, etc. or if you develop injuries over time from repetitive work (often called a cumulative injury) then it is important to not only seek medical care and treatment, but to properly report it to your employer as discussed in the next section.
- FAILING TO TELL YOUR EMPLOYER THAT YOU WERE HURT AT WORK– One of the most basic things in order to successfully bring a workers’ compensation claim is to report your injury to your employer and request medical care. While many employers have written policies that you are supposed to notify them within hours of your injury, technically you have up to 90 days of when you knew or should have known that your injuries are due to your work activities. Keep in mind that it is always the best practice to report your work injury as soon as possible. There are some circumstances where it may be months or even years before a medical condition is determined to be work related. For example, if you see your family doctor for a condition that you are unsure is work related or not and are then referred to a specialist for additional treatment who says they think it is work related, then you should report your injury once you know or believe that your medical condition is work related.
- FAILING TO LEARN YOUR RIGHTS AND JUST ACCEPTING WHAT THE INSURANCE COMPANY PAYS– We know the job market is not the best right now and you may not want to “rock the boat” with your employer, but you also need to look out for your own best interests and protect your rights. For example, there are time limitations for you to bring a claim which vary depending upon if you have received a weekly workers’ compensation check or not. Simply having your employer provide you with and pay for your medical care does not extend the time you have to file a petition with the workers’ compensation agency. If you do not protect this time limit (often referred to as the statute of limitations) then most likely your claim will be forever barred even if your employer decides to fire you.
Before you or a loved one makes a costly mistake you should request a copy of our book “Iowa Workers’ Compensation- An Insiders Guide to Work Injuries” which includes the Iowa Injured Workers Bill of Rights. We offer our book to you at no cost because we are committed to educating you, the Iowa injured worker, in the comfort of your own home.
If you request your copy now, we will send you a Bonus DVD which exposes 21 Things You Need to Know about Your Iowa Work Injury claim.
Our Guarantee to You– We are so convinced that our book will educate you about how to avoid costly mistakes and your rights as an injured worker that if you do not learn at least one thing call us and we will donate $1,000 to a charity of your choice.