Receiving Workers’ Compensation Benefits in Louisiana
While most companies diligently try to prevent workplace injuries, and most employees do their best to work safely, worksite accidents can and do happen. If you have ever been the victim of an on-the-job injury and have collected Louisiana Workers’ Compensation, you know that it can ease the burden of lost wages and medical bills following an accident.
What is Louisiana Workers’ Compensation?
Louisiana Workers’ Compensation is a set of laws that govern the handling of workplace injury claims. In cases where an employee is injured at work, Louisiana Workers’ Compensation insurance provides:
- Compensation for employees for on-the-job injuries and other work-related physical problems
- Protection for employers against liability suits and coverage of litigation costs should an injured employee bring a lawsuit against the company
Who Pays For Workers’ Compensation?
Workers’ Compensation benefits are paid for by the employer’s insurance coverage. Depending on the location of the company, the employer can obtain insurance coverage either from a state-run fund, through a private insurance company or both.
All 50 states require employers to have Workers’ Compensation insurance for their employees. In most cases, independent contractors are not covered for Workers’ Compensation.
Your employer should post a document stating the company’s Workers’ Compensation policy details in a prominent spot in the workplace so employees can be informed regarding their right to Workers’ Compensation. Many employees think the money comes directly out of their employer’s pocket and are reluctant to file a claim.
These funds come through an insurance policy your employer is required to purchase so your benefits come through the insurance policy and are meant to aid in your recovery.
If you have been injured in an accident at work, it’s best to speak with an attorney who understands Louisiana Workers’ Compensation if your claim was denied or if you were offered an unfair settlement.