Being injured at work is a physical, mental and financial hardship. Workers’ compensation benefits can lessen your burden, but getting your claim approved is rarely a straightforward process. If you have been injured at work, you must know the facts and ignore these common myths about workers’ compensation.
Myth: Your Injury Must Be Your Employer’s Fault
When it comes to getting compensation after a work injury Iowa employees are often concerned about proving negligence on the part of their employers. However, you may be entitled to benefits even if your employer followed safety protocols to the letter. There are, however, some circumstances that disqualify you from receiving benefits. These include:
- Self-inflicted injuries
- Injuries that occur under the influence of alcohol
- Injuries caused by reckless behavior, such as fighting
- Injuries that occur while violating policy or committing a crime
In these circumstances, your claim will likely be denied.
Myth: You Must Be Performing Work Tasks When the Injury Occurs
If you are on the clock when the injury occurs, you should file a claim, even if you were not doing your job when you were injured. For example, if you are on your way to the bathroom and you slip and fall in the hallway, workers’ compensation should still cover your injury. The same applies if you are injured while performing work tasks outside of your workplace, such as deliveries.
Myth: Illness Is Not Covered By Workers’ Compensation
If your job makes you sick, you may be entitled to workers’ compensation. Some jobs involve exposure to hazardous chemicals, while others contribute to stress-related illnesses, such as heart conditions. Sickness caused or exacerbated by your work environment may be eligible for compensation. However, psychological conditions are generally not covered.
Myth: You Don’t Need a Lawyer
Legally, this is true; you have the right to represent yourself. However, if your claim is rejected or you face reprisal from your employer, it helps to have a lawyer who specializes in workers’ compensation cases to help you appeal the rejection.
Myth: You Can Get Fired for Filing a Workers’ Compensation Claim
Employees sometimes hesitate to file claims because they are worried about the repercussions. In reality, the law protects you from being terminated for filing a workers’ compensation claim. Unfortunately, this doesn’t mean your employer won’t look for a reason to end your employment. If you are fired or laid off after filing a claim, contact a lawyer immediately.
If you have become sick or hurt at work, don’t let these common myths dissuade you from filing a claim. Understanding your rights is the first step to getting compensation for your injury.
