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Iowa Workers' Compensation

Home / Iowa Workers’ Compensation

Who Must Carry Coverage

  • Most employers in Iowa with one or more employees are required to carry workers’ compensation insurance.
  • Certain agricultural employers and domestic workers may be exempt.

No-Fault System

  • Iowa workers’ compensation is a no-fault system, meaning injured employees may receive benefits regardless of who caused the injury.

Reporting an Injury & Time Limits

  • A work-related injury must be reported to the employer as soon as practicable.
  • The general statute of limitations to file a formal claim is two years from the date of injury, or three years if the employer fails to file a required injury report.

Income & Medical Benefits

  • Payment for necessary medical treatment.
  • Temporary total disability (TTD) benefits at 80% of the spendable (after-tax) weekly earnings.
  • Compensation for permanent partial or total disability, if applicable.
  • Healing period benefits are provided until Maximum Medical Improvement (MMI) is reached.

Protection From Retaliation

  • An injured employee cannot be terminated or penalized solely for filing a workers’ compensation claim.

Choice of Treating Physician

  • The employer or insurance carrier generally selects the initial authorized treating physician.
  • An employee may request a change of physician with approval from the employer or insurance carrier.

Independent Medical Examination (IME)

  • Either party may request an IME to evaluate the nature and extent of the employee’s injury.
  • Contact Doctors’ Council if you would like assistance with requesting an IME or changing doctors.