How Does Worker’s Compensation Insurance Benefit Employees?

Workers comp insurance Louisiana covers traumatic injuries or any other illness that is faced during the period of employment. Louisiana workers compensation death benefits can be availed by employees across a wide range of industries and occupations. The major incidents witnessed as work-related injuries or diseases are as follows:

• Knee injury
• Shoulder or neck injury
• Fracture
• Heart or lung diseases
• Spine or back injury
  
  

Today, we will help you understand how worker’s compensation insurance benefits the employees when the injuries mentioned above or diseases are faced while on-the-job.

All in all, Louisiana workers comp insurance provides support and a degree of financial relief to the employees by providing the following benefits:

Medical benefits

The workers comp insurance Louisiana offers pays for all costs for medical treatment that the employee had to incur due to the work injury or illness. The payments include hospital bills, medicines, medical equipment, doctor’s consultation, etc. Majority of the time, the amount spent on traveling to hospital and for regular visits with the doctor are also reimbursed.

Earning benefits

Due to the injury or illness, many employees have to stay at home or get admitted to the hospital, because of which they miss work. This can cause a loss of salary or regular wages. However, Louisiana workers comp insurance can help the employee here, the injured or unwell employee receives earning benefits until the time he has recovered, or to the point he can resume working.

Permanent total disability benefits

In case the employee is permanently disabled, he or she can avail two-thirds of the regular wages during the entire period of disability. However, this is only applicable in case of severe injury or loss of arms, eyes, legs, hands or feet.

Death benefits

If a work injury or illness causes the death of an employee, Louisiana workers compensation death benefits can be availed by the deceased’s family members. This includes payment for medical bills, funeral expenses and other loss that the family has to bear.

How to claim worker’s compensation insurance?

While it might seem that one call can sort all your claims with the insurance, that is not what the scene is in reality. There are many hurdles along the way to availing the benefits and claiming your worker’s compensation insurance.  Often, the claim can be denied or terminated and the helpless employee can not do anything about it, especially in the case where he or she is injured or unwell— and this can make it impossible to go to court meetings.

That is why it is important to contact an attorney to avail Louisiana workers compensation death benefits for yourself and your family. But if you want even more smooth experience, Kelly Lee Insurance is the place to secure worker’s comp insurance. Their professionalism and expertise can help you navigate your insurance claim.

More about Kelly Lee Insurance

As every state has different rules for worker’s compensation, here in Louisiana, the insurance is mandatory even if the employer has just one employee. This includes all categories of employees, whether full-time or part-time, on salary or wages. Kelly Lee Insurance, Louisiana workers comp insurance companies help manage all your risks. The independent agency has over 50 independent insurance carriers and offers all coverages at your convenience and affordability

Give them a call Monday-Friday 8 a.m. to 5 p.m. at (337) 656-2890 or write to us at klee@twfg.com to know more details.