11/05/2026
Burlington, Fort Madison, Keokuk: hurt your back at work and got a letter scheduling you with the insurance company's doctor? Here's what Iowa law generally says. 👇
✅ You generally have to go if the exam is at a reasonable time and place. Refusing can stop your weekly checks for as long as you refuse (Iowa Code § 85.39(1)).
đź’µ The exam is at no cost to you. If you miss paid work to go, you're generally paid your regular rate for that time, and your travel is covered.
🩺 You can have a doctor you choose there with you, at your own cost.
📄 If their doctor's impairment rating seems too low, Iowa may reimburse a second rating by a doctor you pick, after an application to the Workers' Compensation Commissioner, if the injury is found compensable (§ 85.39(2)).
🔢 Why the rating matters: a back is a "body as a whole" injury. If you're back at the same or higher pay, you're generally paid on the rating, and each rating point is generally 5 weeks of benefits.
Tag someone on your crew who's been off with a back injury. đź’¬ Has the insurance company ever sent you to a doctor you'd never heard of?
Pothitakis Law Firm, P.C. · 320 N. 3rd St., Suite 100, Burlington · 1603 Main St., Keokuk · (319) 754-6400 · pothitakislaw.com · Free consultation
Iowa matters only. General info, not legal advice. Narration in the video is AI-generated.