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Iowa Workers Compensation Laws
Workers compensation policy information for the State of Iowa
- State: Iowa
- Authority/Rating Bureau: NCCI, National Council on Compensation Insurance
- Compulsory: Yes
- Private Insurance: Allowed
- Self-Insurance: Allowed
- State Fund: None
- Assigned Risk: Administered by NCCI
- Numerical Exceptions: None, however refer to special notes below.
- Individual Waivers Allowed: Yes, limited to Corporate Officers.
- Sole Proprietor: Excluded from coverage/may elect to be included/see special notes / If included a sole proprietor payroll banded between 16,692/130,000 is used for rating as of 7-1-7.
- Partners: Excluded from coverage/may elect to be included / see special notes / If included a partners payroll banded between 16,692/130,000 is used for workers compensation rating as of 7-1-7.
- Corporate Officers: Included in coverage/may elect to be exempt/ see special notes - If included in coverage a corporate officer workers compensation payroll banded between min/max of 16,692/130,000 is used as of 1-1-8.
- LLC Members: Excluded from coverage/may elect to be included - When included in coverage a LLC Member payroll is banded between 16,692/130,000 as of 1-1-8.
- Contractors: Independent contractors are not considered employees however they must meet qualifying requirements.
- Special Notes: There are a few classifications of employees who are exempt from the law. The following are exempt or non-covered employees: (85.1)
- Domestic and casual employees who earn less than $1,500 from their employer during the 12 consecutive months prior to the injury.
- Agricultural employees whose employer has a cash payroll of less than $2,500 in the calendar year preceding the injury.
- The spouse of the employer, parents, brothers, sisters, children and stepchildren of either the employer or the spouse of the employer, and the spouses of the brothers, sisters, children, and stepchildren of either the employer or the spouse of the employer.
- Exchange labor in agricultural employment.
- The president, vice president, secretary, and treasurer of a family farm corporation and their spouses, and the parents, brothers, sisters, children, stepchildren, and their spouses of either the officers or their spouses.
- Police officers and fire fighters who are entitled to benefits under pension fund established by Iowa Code chapters 410 and 411.
- A proprietor or partner who is actively engaged in the proprietor’s or partner’s business on a substantially full-time basis.
- The president, vice president, secretary, and treasurer of a corporation (other than a family farm corporation), not to exceed four officers per corporation, may elect not to be covered under the workers’ compensation law. In order for the rejection of coverage to be valid, a REJECTION OF WORKERS’ COMPENSATION OR EMPLOYER’S LIABILITY COVERAGE (a form available through the Workers’ Compensation Commissioner’s office) must be completed.
- Employees who are entitled to benefits under any rule of liability or method of compensation, for employees, established by the Congress of the United States.
- Members of a limited liability company.
- Regulated By:
- Division of Workers' Compensation
- 1000 East Grand Avenue
- Des Moines, IA 50319
- Phone: (515) 281-5387 or (800) 562-4692
- FAX: (515) 281-6501
- http://www.iowaworkforce.org/wc/
- Workers Compensation Statute:
- The Iowa Workers' Compensation Laws under Iowa Code Chapters: 85, 85A, 85B, 86 & 87. The Iowa General Assembly posts the statutes on their web site. You may access the Iowa Code at the following web address:
- http://www.legis.state.ia.us/IowaLaw.html
- Information on this page is provided only as a reference. While we strive to mantain accurate information on this site please realize workers compensation laws are complicated and subject to change at any time. If you need help with a workers compensation problem or have a specific situation or question please contact our office. Otherwise please consult your states governing authority or an attorney in your state of residency for assistance.
- Authority/Rating Bureau: NCCI, National Council on Compensation Insurance
WORKERS COMPENSATION CONSULTANT
Voice: (573) 999-6948
Fax: (573) 447-4998
email: rks@workcompconsultant.com
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