Louisiana Workers Compensation Insurance companies to have coverage in the case that an employee is injured while at work. It also covers if an employee becomes ill or even dies as a result from work related activities. If an employee is injured on the job they are entitled to both medical and wage benefits paid for by the employer or the insurance company. Louisiana Workers Compensation Insurance law can be complicated for small businesses, so it is important to have Workers Comp professional helping you work through the specifics.
Does My Company Require Louisiana Workers Compensation Insurance?
Louisiana Workers Compensation Insurance requires that every business that employs one or more workers to have adequate coverage. Every business that operates in state lines are required to have coverage. Employers must show proof that they have the financial means to carry Louisiana Workers Compensation Insurance. A company can get insurance through insurer, self-insurance, or group self-insurance. Louisiana considers an employee as any full or part time worker, legal or illegal, minors, and prisoners in a work release program.
Who is Exempt From Louisiana Workers Compensation Insurance?
- An employee of a private home or unincorporated farm
- Musicians who are under a performance contract
- An employee engaged in trade by railroad
- Airplane crews working in dusting or spraying operations
- Officers of certain nonprofits
- Real estate brokers and sales agents
- Employees working in minerals
Louisiana Workers Compensation Benefits
Medical Coverage
Workers Comp Insurance gives injured employees all reasonable and necessary medical care. Injured employees are able to receive benefits for doctors bills, prescriptions, hospital care, lab tests, x-rays, and medical devices. Employees are also able to receive reimbursement for travel to and from medical visits. There is never a deductible or payment for the injured employee.
Wage Benefits
Injured employees are eligible to receive tax-free weekly payments that are a percentage of the weekly wages. The wages are two-thirds of the employee's average weekly wage. There are wages paid if the injured employee is unable to earn 90% of their pre-injury wage because of the injury.
Vocational Training
If the employee is unable to return to work at their previous position, they may qualify to get specialized training. The training will help identify other work or prepare them for re-entry in the workforce at a different position.
Do you have question about Louisiana Workers Compensation Insurance?
Call us at 1-800-253-7040 to speak to a Workers Compensation Specialist.
