Qualifying for Workers’ Compensation Benefits in Louisiana
Across different industries, workers suffer injuries on the job. This is why most employers carry workers’ compensation insurance to protect themselves when an employee suffers a workplace injury. While workers’ compensation insurance protects employers, it also protects workers who are injured on the job to recover damages for any disability, lost wages, and medical expenses.
In order to qualify for workers’ comp benefits, it’s not generally about the injury but whether the injury occurred on the job. Some examples of common workplace injuries that are compensable under Louisiana’s Workers’ Compensation Act include:
- Repetitive motion injuries
- Overexertion injuries
- Slip and fall injuries
- Motor vehicle accident injuries
- Carpal tunnel syndrome
- Hearing loss
- Vision loss
- Black lung disease
Other injuries like back pain, mental illness, or other occupational diseases might be more questionable; however, injuries that occur on the job should be covered. Most physical injuries that occur at work or during the course of work are injuries that should qualify for workers’ compensation benefits.
Why Do Some Injuries Not Qualify for Workers’ Compensation?
Under the law, there are certain exclusions from workers’ compensation such as injuries that result from employees:
- Being under the influence of alcohol or drugs
- Committing a crime
- Doing something that is restricted
- Inflicting an injury on themselves
Additionally, sometimes employers and their insurance companies look for reasons to deny claims and may say the injury didn’t occur on the job or that the injury was a pre-existing condition. If your employer has denied you workers’ comp benefits, you shouldn’t accept their answer without talking with an attorney.
Getting the Workers’ Comp Benefits You Deserve
Generally, qualifying for workers’ compensation benefits in Louisiana isn’t about the type of injury, but about how the injury occurred. Typically, most work injuries are covered—even an off-site injury like when an employee is traveling to a client’s office and gets into a car accident. If you are doing your job and you suffered an injury in the course of your employment, you should be entitled to workers’ compensation benefits in Louisiana.
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