If you are hurt on the job in Iowa, workers' compensation is usually your primary remedy — but it is not always the only one. In some situations, a separate third-party claim can provide additional compensation that workers' comp does not.
How Workers' Compensation Works
Iowa workers' compensation provides benefits for medical care and a portion of lost wages regardless of fault, but it generally does not pay for pain and suffering and limits what you can recover. In exchange, you usually cannot sue your employer directly.
When a Third-Party Claim Applies
If someone other than your employer caused your injury — a negligent driver, a defective machine manufacturer, a subcontractor, or a property owner — you may have a separate personal injury claim against that party. This can include the full range of damages, including pain and suffering.
Coordinating the Two
Pursuing both a comp claim and a third-party claim involves rules about reimbursement and coordination of benefits. An attorney can help you maximize total recovery while protecting your rights under both systems.
Have questions about your own situation? Get a free, confidential case review. You pay no fee unless you win. Call 973-566-5599.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Iowa attorney.