You got hurt at work. You filed a claim. Now, you rely on workers’ compensation benefits to help you get by while you recover.
What happens if those benefits suddenly stop? It can be a scary and confusing situation, especially when you are trying to focus on healing.
Reasons for benefit termination
Various factors can lead to the termination of workers’ compensation benefits:
- Your doctor releases you to return to work without restrictions.
- You reach maximum medical improvement (MMI).
- You fail to follow prescribed treatment, such as attending medical appointments.
- Your employer offers you a suitable job within your work restrictions.
- The statute of limitations for your claim has ended.
It is important to note that Iowa law requires insurance companies to provide written notice before terminating benefits. This notice must explain the reason for termination and inform you of your right to file a petition with the Iowa Workers’ Compensation Commissioner.
Sometimes, insurers may try to terminate benefits prematurely or without proper justification. For example, they might claim you have reached MMI when your doctor disagrees. Or they could argue that you can return to work based on an independent medical examination, even if your treating physician recommends ongoing treatment.
In these situations, you have the right to contest the termination of your benefits. You can submit a formal petition for alternate medical care or a review-reopening petition, depending on the circumstances. These legal processes can help you continue receiving necessary medical treatment and wage replacement benefits.
Seeking professional help can protect your rights to recovery
Do not let insurance companies or employers take advantage of your situation. If your workers’ compensation benefits are at risk of termination or have already been cut off, reach out to a skilled attorney today. They can help you understand your options and take the necessary steps to secure your financial and medical future.
