Legal Question in Insurance Law in Iowa

Re: work comp and layoff

The answer is sometimes, yes and sometimes no. The answer all depends on how the doctor released the employee, with or without restrictions.

This question demonstrates why a release to return to work should be in writing and clearly set forth any restrictions on activity levels. Written releases of weight, time, push, pull, climbing, squatting, heights limits, to name a few are so very important and without the restrictions no one, especially the employer know how to treat the employee�s performance. If the employer is left with just listening to the employee about what they can and can not do, then doubts develop about the employee�s motivation and the employee is playing right into the prejudice that already exists in the workers� compensation system.

A person who has been injured and off work (with a doctor�s excuse) due to a work related injury is entitled to receive workers� compensation benefits until one of three things happen. First, this period is known as the healing period and it runs up to the time when the employee returns to work, is released to return to work or reaches maximum medical improvement, which first occurs. Once released the employer must accept the employee. (I refer to these periods as RTW, RRTW or MMI.) Once released the employee must show up for work.

Restricted releases to return to work mean the employee is released for a trial of work. A trial of work is one in which the doctor wishes to see if the employee can be progressively reintroduced to their old job. If the employer accommodates those restrictions then all is well, but if not then the employee is back on healing period until the time when they either return to work or reach maximum medical improvement.

When during the healing period the employer has had to lay workers off due to a slow economy like the rest of the work force the employee must weather the slow down using unemployment benefits, not workers� compensation benefits. But if the doctor�s excuse was for light duty (a release with restrictions) and employer is not able to accommodate those restrictions then the employee would be back on w.c. benefits as not yet healed. It�s simply a matter of the restrictions being in writing, the type of release being light duty and the employer not being able to accommodate the restricted work.

So if you have the right release and the employer doesn�t accommodate it then you should still receive workers� compensation benefits under Iowa law.

Re: work comp and layoff

Yes - but then your comp benefits begin again.

In the state of Illinois, an employee who has restrictions related to a compensable work injury can be laid off; however, the insurance company must then begin paying "maintenance" benefits to insure that you earn at least as much as you did while you were on TTD.

If you need more specific answers let me know.

Matt Belcher