Most careers put workers at risk of injury. Iowa state statutes acknowledge the risk inherent in employment by requiring that employers carry workers’ compensation coverage to protect employees who get hurt while performing job functions.
Frequently, the parties who need workers’ compensation benefits are long-time, permanent employees with full-time work arrangements. Professionals who have held their jobs for years are likely familiar with their work risks and basic rights. Some professionals may not have such stable employment. Instead, they may work seasonal jobs or hold temporary positions.
Are workers who may not remain with a company indefinitely still eligible for workers’ compensation benefits?
Direct-hire employees are usually eligible
Some workers do not qualify for workers’ compensation coverage. Independent contractors who are technically self-employed may not qualify for workers’ compensation coverage. Most professionals working in direct-hire arrangements are eligible for workers’ compensation benefits.
Both seasonal and temporary workers are potentially eligible for coverage the very first day that they start their jobs. However, they must follow the appropriate claims process to ensure that they receive the benefits they need.
First and foremost, an injured worker needs to report the incident immediately after it occurs whenever possible. If they see a doctor after leaving for the day, they should notify a supervisor about their injury and diagnosis as soon as they return to work.
The internal report filed with the employer and the medical records from the physician treating the employee are both important for the worker’s protection. They may be eligible for medical coverage that pays for all of their necessary care.
They may also be eligible for disability benefits. If an employee must take time off to undergo treatment or heal from their injuries, then workers’ compensation should help replace a portion of their lost wages. Benefits can even potentially cover lost wages from other positions if the seasonal or temporary job supplements another position and the worker cannot perform that job either.
Seasonal and temporary workers may face pushback on their claims. Managers or supervisors may lie to them about their rights. Ensuring that there is a proper paper trail by seeking professional medical evaluation and reporting the incident to management as soon as possible are both critical for the protection of an injured employee.
Those facing complicated workers’ compensation claims, including seasonal and temporary employees, may want to work with a lawyer as they seek to move forward. Having support during a workers’ compensation claim makes it easier for an employee to understand their rights and pursue the benefits they deserve.