The length of a workers' comp investigation in Iowa will depend on factors influencing each claim, potentially requiring a long period of time before completion of the claims process. Iowa, like many other states, requires employers to carry workers' compensation insurance to protect employees in the event of work-related injuries. While private insurance providers issue this insurance, Iowa state law governs the administration and provision of workers' comp insurance. The Iowa Division of Workers' Compensation also administers it.

How Long Does a Workers' Comp Investigation Take in Iowa

Despite having this system in place to help increase the speed of the claims process in Iowa, it can take a long time to complete a workers' comp investigation.

The Parties Who Approve and Deny Claims

Most employers across the U.S. must have some form of workers' compensation insurance coverage. Employers can choose policies from private insurance companies, or they can insure themselves with the state's approval.

Typically, self-insured employers will need to prove that they possess significant assets and are financially stable, seeing as they will be responsible for paying out workers' comp claims on their own.

After an employee files a workers' comp claim, either the self-insured employer or the employer's insurance company will decide to approve or deny the claim. Before completing the claims process, either the workers' comp insurance company or the employer's privately hired claims administrator will conduct an investigation into and manage the claim.

How Long Does the Workers' Comp Investigation Take?

In Iowa, workers need to report their injuries or illnesses to employers within 90 days following the initial accident or discovery of the injury or illness. Otherwise, if this period passes, employees won't qualify for a workers' comp claim. In Iowa, employees have two years to file a workers' comp claim and begin seeking benefits.

After filing the initial claim, the employer's investigator the insurance company will begin investigating the claim. What workers' comp investigators look for is proof of the extent of the injury and that it was work-related. This will normally entail claims administrators speaking with injured workers and their employers to learn more about the details of the work injury. They'll also review accident reports, medical records, documents proving lost wages, and other relevant documentation. 

It's important for claimants to cooperate with insurance companies and provide them with documentation and information as asked, as this could help support their claim. 

Employees may benefit from speaking with an Iowa workers' comp lawyer if they have any questions about the investigation and what it involves. For example, a claimant may be concerned about a lack of communication with the insurance company, which an attorney may help mitigate.

Waiting for a Decision

In Iowa and most other states, insurers must make a decision whether to approve or deny a workers' comp claim within a reasonable amount of time. If this party fails to make a decision within this time, they may need to pay a penalty. 

In most cases, claimants should see a decision made within a few weeks upon filing their claim. They can also contact insurance adjusters or claims administrators if they don't hear a response. Otherwise, employees can contact workers' comp lawyers to seek a response.

What Happens if Insurers or Employers Deny the Claim?

If insurers or employers deny the claim, individuals can appeal the decision with Iowa's workers' compensation agency. When denying a claim, the parties responsible for the decision should send a letter that explains why they're denying the claim. Depending on the reason given in the letter and the nature of the injury, some victims may be able to successfully appeal the decision.

Attorneys can help file appeals if they believe the appeal may result in a successful outcome. These lawyers can help ensure the claimant properly files the appeal.

How Long Does It Take to Receive a Settlement?

Oftentimes, workers will be able to receive a portion of their workers' comp payments throughout the claims process before insurers or employers officially resolve the claim. Some of these benefits include temporary partial disability or temporary total disability payments when the employee is unable to return to work while recovering.

The majority of workers' comp cases take as long as years to settle. One survey found that it takes an average of 15.7 months for claimants to have their cases resolved, whether through out-of-court settlements or hearings with judges. Meanwhile, only 19% resolved their cases within six months, and it took between 13 and 24 months for 50% of employees.

The Factors Contributing to the Length of Workers' Comp Cases in Iowa

Multiple factors determine how long a workers' comp case will take to resolve. For instance, some injuries may be too complex to allow for a simple investigation and decision. These injuries may also require longer recovery periods that put employees out of work either temporarily or permanently. Other influencing factors may include the involvement of an attorney, and whether the case stays out of court or eventually goes to trial.

Generally, the more complicated a case is, and the more elements involved, the longer a case may take to settle.

The length of time it takes to complete a workers' comp investigation will ultimately depend on the same factors that influence the outcome of the case. Investigators will want to determine whether a claim is valid, which can take weeks to conduct.

Photo of Niko Pothitakis
For the past 15 years Mr. Pothitakis has focused his practice on Workers Compensation and Personal Injury Cases. The firm has two locations, one being in Burlington, Iowa and the other in Keokuk, Iowa. Mr. Pothitakis works with many area unions and employee organizations to provide advice, assistance, and guidance as it relates to employment issues. Mr. Pothitakis provides free consultations to those with legal questions in the firm's areas of practice. In this initial meeting or conference potential clients are provided advice on their need for assistance and how they need to proceed.

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