Workers' Compensation

Louisiana Workers’ Compensation Misconceptions | Part 2: Indemnity Benefits

When it comes to Louisiana Workers’ Compensation, misconceptions about the laws are quite common. And since we get questions all the time, we decided to address the most common misconceptions to clarify any confusion. Follow along for the second in a multi-part series addressing these misunderstandings. In Part 2, we address common misconceptions related to workers’ comp indemnity benefits.

*If you missed Part 1 regarding misconceptions related to workers’ compensation claims, you can view it here.

MISCONCEPTION #1: If I get hurt on the job, the insurance company owes me 100% of my paycheck.

Unfortunately, the insurance company only owes you 66 and 2/3 percent of your average weekly wages, which can be challenging to calculate depending on your employment scenario leading up to the accident. 

 

MISCONCEPTION #2: My workers’ compensation check has to be overnighted to me, so I receive it as soon as possible.

The delays in the mail can cause a significant amount of stress when waiting for your workers’ compensation check to come in the mail.  While there is no law requiring that the insurance company “overnight” your workers’ compensation check to you.  The law prescribes reasonable times for receipt of benefits depending on the type of workers’ compensation check you are receiving.  Some insurance companies, but not all, offer direct deposit of your workers’ compensation check if you ask them about it.

 

MISCONCEPTION #3: I cannot receive workers’ compensation benefits or make a workers’ compensation claim while I am on social security disability.

You can receive both workers’ compensation benefits and social security benefits simultaneously; plenty of people do.  There are offsets involved, so it is important to let both social security and the workers’ compensation insurance company know that you are receiving both.

 

 

MISCONCEPTION #4: If I try to go back to work, I am no longer entitled to a workers’ compensation check.

If an injured worker can go back to work but is unable to earn 90% of their pre-accident wages due to his/her accident and injury, the insurance company is supposed to pay supplemental earnings benefits.  However, if an injured worker can go back to work to earn 90% or more of their average weekly wages, then an injured worker may not be entitled to further indemnity benefits.

 

 

 

MISCONCEPTION #5: My workers’ compensation insurance company should have to pay me for the rest of my life.

While there are rare claims where insurance companies pay injured workers benefits for their entire lives, normally these claims are not settled in lump sum settlements.

Chase Villeret

Recent Posts

Louisiana Injury Claims Coverage: Workers’ Comp vs. Personal Injury

When navigating Louisiana injury claims, it's crucial to grasp the distinctions between Workers' Compensation and…

1 month ago

Settling Workers’ Compensation Claims After Summer

With children back to school and Labor Day weekend approaching, many find it an opportune…

3 months ago

Reporting Workplace Injuries in Louisiana

In Louisiana, timely reporting of workplace injuries is crucial for protecting your rights and ensuring…

5 months ago

Understanding the Differences: Veterans Disability vs SSDI Claims

When it comes to disability benefits, veterans and civilians might find the processes and criteria…

6 months ago

Louisiana Hurricane Preparation: Essential Tips and Resources for the 2024 Season

Introduction: June 1st marks the start of the 2024 hurricane season, which is expected to…

6 months ago

Navigating Common Types of Louisiana Personal Injury Cases

Personal injury law covers a wide range of incidents, each potentially life-altering. In Louisiana, understanding…

7 months ago

This website uses cookies.