Getting injured at work can be downright terrifying. Not only do you have to contend with the pain and downtime that physical injuries invariably cause, but you also have to worry about whether or not you’ll be able to cover your basic living costs. Fortunately, there are several things that all Iowa residents can do to ensure successful outcomes for their workers’ compensation claims. While aligning yourself with an attorney is important, you should also look out for common mistakes that can diminish your settlement.
Include Special Language In Your Settlement Documents
There’s always the possibility that Medicare won’t cover any of your medical treatment costs if it’s discovered that you’ve already received settlement monies for your on-the-job injury. Medicare can also hold you responsible for setting aside a sufficient portion of your settlement monies for any additional care that your work injury requires in the future, even if you’re <a href=”https://www.medicare.gov/supplement-other-insurance/how-medicare-works-with-other-insurance/who-pays-first/workers-comp-payments.html”>otherwise qualified to receive Medicare benefits</a>. This can be extremely problematic for those who are dealing with serious, debilitating or lifelong injuries that will keep them out of the workforce indefinitely. The best way to mitigate the risk of your experiencing coverage-related problems like these is by having special language included in your settlement documents. This language should allocate the included monies for specific expenses or uses.
Protect Your Social Security Disability Payments
When settling a an Iowa workers compensation claim, you should consider all of the different incomes, insurance plans, and other provisions that you’re receiving as the result of your accident. This is especially true if you’re receiving Social Security disability payments. Before you accept any settlement offer for your work-related injury, you should have your case reviewed by a seasoned, local attorney who specializes in this practice area. If you don’t take the proper precautions, your benefits from social security could be <a href=”https://www.ssa.gov/pubs/EN-05-10018.pdf”>significantly reduced</a> or stopped entirely. Your attorney can give you settlement tips that will help you limit or even avoid reductions in your Social Security benefits.
Establish A Return To Work Plan
After you’ve been injured on the job, you should know that there’s never a rush to get back on the scene and start handling your normal work responsibilities. This is especially true if doing so will exacerbate your injuries or slow your recovery. In fact, upon the advice of most workers’ compensation attorneys, you should avoid returning to work at all, until you’ve been officially cleared to do so by your doctor.
It’s also important to have a solid, return-to-work plan before going back. This is a plan that’s designed to gradually reintroduce you to the demands of your job, without risking further, physical harm. Your attorney and your employer can work together to establish a feasible and manageable plan for getting you back into the groove of things without getting hurt.
With seasoned legal help, you can negotiate the claims process in a safe, successful and entirely problem-free fashion. An attorney can assist you in avoiding painful settlement and income losses. This professional can even help you step back into your position at a comfortable pace, once your recovery efforts near their end.