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Unfortunately, if an injured worker is an independent contractor, there is no obligation for an employer to provide workers' compensation coverage.
$1,864 is the maximum weekly benefit amount for the following types of benefits: Temporary total disability (TTD) Healing period (HP) Permanent total disability (PTD)
Coming and Going Rule: If injury occurs while going to or coming home from work, then the injury is not covered, see Otto v.
If your injuries allow you to work, but with reduced earnings, then the work comp insurance company should pay you temporary partial disability benefits. When your condition has reached maximum medical improvement the workers' compensation insurance company should obtain an impairment rating concerning your injuries.
While Iowa code, or law, requires most employers in the state to carry workers' compensation insurance, there are a few exceptions. Some of those exemptions include: Sole proprietors. Members of a limited liability company.
Generally, your average weekly wage is based on your average weekly earnings in thirteen representative calendar weeks immediately before the week in which your disability begins. If you are paid a yearly salary, your average weekly wage is 1/52 of that salary.