At this point, society requires non-disabled individuals to perform some form of labor to make ends meet. As the world becomes more ingrained in technology, many positions tie you to the desk for an extended period. While there are considerable health risks with this type of work as well over the long term, they are relatively safe. For those individuals who work in construction, factories, agriculture, and other labor-intensive industries, the risk of injury on the job increases dramatically. Each state in the United States has different laws relating to these injuries, and this is especially true for Iowa workers compensation law.
Defining Iowa Worker Compensation
Both employers and employees want to do everything available to avoid injuries while on the job. Protocols and safety regulations are put in place to assist with these efforts, but life is often unpredictable. Iowa’s Worker’s Compensation Act outlines three main areas for possible injuries or disabilities which occur at work. The first involves general damages, and employees can recover them quite quickly. While they are undoubtedly rare, Iowa also covers potential occupational diseases which may arise from working with dangerous chemicals. If you have ever been inside of a factory, you are aware of how noisy these environments can be. With this said, Iowa also covers occupational hearing loss for employees who suffer hearing-related injuries while working.
Purchasing Workers Compensation Coverage
As the workforce continues to shift toward a primarily remote structure, many businesses may forgo purchasing workers compensation coverage for employees. If you are working remotely, it is highly likely that you will also be contracted to perform those services and will not be considered an employee. If you are performing manual labor, it is highly likely that your employer has purchased this type of coverage to lessen the liability should you or another co-worker get injured while working.