Legal Update: AMA Guides After Koeller

July 9, 2026

Beyond clavicle excisions, Koeller provides important guidance on interpreting the AMA Guides in Iowa workers' compensation.


By: Thania Rios

On 5/15/2026, the Supreme Court of Iowa issued a decision in Koeller v. Cardinal Logistics Mgmt. Corp. The immediate impact of this decision—specifically, that distal clavicle excisions are now worth 28-30 more weeks of PPD in Iowa—was addressed in a prior post. However, the decision also has broader implications for how the AMA Guides are used in workers’ compensation cases that are worth examining.


In the Koeller decision, the Supreme Court begins its legal analysis by observing that Iowa Code section 85.34(2)(x) effectively gives the AMA Guides (5th Ed.) the force of law—and that neither lay testimony or agency expertise can be used to modify permanent impairment ratings that have been assigned in accordance with the AMA Guides. This means that the “testimony…of an injured worker…cannot be boost a rating above the highest rating given by expert testimony.” Koeller, 35 N.W.3d 335, 342 (Iowa 2026).  Likewise, “surveillance…cannot be used to lower a rating below the lowest rating given by expert testimony.” Id. Additionally, while the commissioner is entitled to choose among expert opinions offering different interpretations of the AMA Guides, “the commissioner should not supplant the role of the experts.” Id.


When it comes to the role of the commissioner in Agency hearings, the Supreme Court was clear: since “the AMA Guides have the force of law,” and “what the law requires is ultimately for the agency and the courts to decide,” ambiguities in the AMA Guides can be resolved by courts using “the usual interpretative tools that judges normally apply.” Id. Phrased more simply, the Koeller decision states that the AMA Guides are subject to statutory interpretation. In Koeller, the Court uses Iowa Code section 4.7 to resolve a contradiction between two contradictory sections of the Guides.


The Supreme Court is also clear about the role of expert witnesses, and how the commissioner can use their opinions. Under Iowa Code section 85.34(2)(x), the commissioner has the authority to “reconsider” what experts claim that “the AMA Guides” require. Id. at 343. While the commissioner cannot supplant the role of a medical expert in altering his medical opinions, he can apply “his interpretation of the governing law—the AMA Guides—to [the medical expert]’s factual determinations.” Id.


In addition to modifying the rules regarding how distal clavicle excisions are compensated, the Koeller decision also does much to clarify how the AMA Guides are supposed to be used in Iowa courts. As such, it will likely do much to shape how workers’ compensation cases are litigated moving forward.  


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What Workers’ Compensation Is Designed to Do Workers’ compensation is a system created to provide benefits to employees who are injured while performing their job duties. In Iowa, this system is intended to offer medical care and wage replacement without requiring injured workers to prove fault. At the same time, workers’ compensation limits an employer’s exposure to lawsuits by providing an exclusive remedy in most workplace injury situations. This balance is a key feature of the system. Who Is Covered Under Iowa Workers’ Compensation Law Most employees in Iowa are covered by workers’ compensation, regardless of whether the injury occurred suddenly or developed over time. Coverage generally applies when an injury arises out of and in the course of employment. There are limited exceptions depending on the nature of the work and employment relationship. Understanding whether an injury qualifies often depends on specific facts and circumstances. Types of Benefits Available Workers’ compensation benefits in Iowa may include medical treatment related to the injury and partial wage replacement if the injury prevents an employee from working. In some cases, benefits may also address permanent impairment or long-term disability. The type and duration of benefits depend on the nature of the injury and how it affects an employee’s ability to work. Why Understanding the System Matters Many injured workers are unfamiliar with workers’ compensation until an injury occurs. Misunderstanding how the system works can lead to missed deadlines or confusion about available benefits. Learning the basics helps injured workers better navigate the process and set realistic expectations. Final Thoughts Workers’ compensation in Iowa is designed to provide support after a workplace injury, but the process can be complex. Understanding how the system works is an important first step for anyone dealing with a work-related injury.  This content is for general informational purposes and does not constitute legal advice.
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