The costs related to workplace injuries can be extreme for any size of business in Kenner, Louisiana. Without workers' compensation insurance, one lawsuit related to an employee injury can quickly devastate a small business.
But with Louisiana workers’ compensation insurance, your employees have financial backup when accidents happen at work. An injured employee can pay their medical bills and is compensated for lost wages, while you are protected from excessive and devastating lawsuits. An independent insurance agent in Kenner can help you find suitable workers’ compensation insurance.
Is Workers’ Compensation Required in Kenner, LA?
All full-time, part-time, seasonal, and minor employees in Kenner must be covered by Louisiana workers’ compensation insurance. Coverage must begin on the employee’s first day of employment.
Subcontractors and independent contractors may be considered employees if they are performing substantial manual labor in the pursuit of the employer’s trade, business, or occupation.
Domestic employees, most real estate agents, uncompensated officers and directors of some nonprofit organizations, and public officials are exempt from Louisiana’s workers’ compensation requirements. In addition, some volunteer workers and a variety of other unique employee classifications—such as musicians—do not need to be covered by workers’ compensation insurance in Louisiana.
Employers must provide workers’ compensation benefits to their employees through private insurance, or they must self-insure. Benefits are available for mental and physical illness or injury occurring in the course of employment, regardless of who is at fault.
How Much Does Workers’ Compensation Insurance Cost in Kenner?
In general, workers’ compensation costs depend on the types of jobs your employees do and your company’s overall payroll. Employers in high-hazard industries pay more for workers' comp coverage than low-hazard industries, but a lot of other factors come in to play as well.
The number of employees, the type of work they perform, and the company history of accidents and workers’ compensation claims will determine your Louisiana workers’ compensation premiums. But every employer starts out with base rates supplied by the state. From there, a complex formula is used to determine what you will pay.
Louisiana partners with the National Council for Compensation Insurance (NCCI), an independent rating and data collection bureau, to assign workers’ compensation rates for every industry. The NCCI assigns a classification code to each occupation. And each class code is then assigned a base rate for workers’ compensation insurance.
The following are samples of average annual rates paid per every $100,000 in employee payroll for three of the top industries in Kenner, LA.
- Healthcare: $2,190
- Accommodation & Food Services: $1,210
- Construction: $9,250
There is no question that employers in high-risk industries pay more for Louisiana workers’ compensation insurance than employers in low-risk industries. Healthcare workers are at risk for contracting serious illnesses, and they may also be more likely to suffer from repetitive motion or back injuries.
Construction workers risk falls, cuts, and very serious injuries like vision damage and lost limbs.
Even seemingly safe hospitality workers can trip, fall, or get seriously injured when it is least expected.
You can control your workers’ compensation costs by emphasizing safety and providing clear and effective safety guidelines for every job. Contact an independent insurance agent in Kenner for workers’ compensation quotes.
Kenner Workers’ Compensation Insurance Covers Employee Medical Expenses
Injured Kenner workers are entitled to reasonable and necessary medical care related to work-related injuries or illness.
Typically, the medical care takes place over a short period until the injury or illness has resolved. Sometimes it is necessary to cover an employee’s medical expenses for a much longer term, and even for life, but the goal of workers’ compensation insurance is to help workers recover and return to work as soon as possible.
Louisiana workers’ compensation pays for all reasonable and necessary medical treatment related to an on-the-job injury or illness. Benefits include mileage reimbursement as well as vocational rehabilitation for workers who are unable to return to their previous job.
Kenner Workers’ Compensation Insurance Includes Wage Replacement Benefits
Louisiana employees are entitled to a certain amount of wage replacement if they are unable to work as a result of a workplace injury or illness. The amount of disability benefits that an employee receives is dependent on the degree and duration of their disability, or inability to return to work.
Louisiana workers’ compensation insurance helps injured workers recoup a portion of their lost wages if they are unable to work during their recovery period. Benefits are paid for temporary disability, permanent partial disability, and permanent total disability.
The benefit amount an employee receives is based on the length and severity of the disability and whether the employee is able to return to work completely, partially, or to a different position that offers less pay.
A one-time payment of $50,000 may also be available if the employee’s injury is determined to be catastrophic (e.g., it results in paraplegia, quadriplegia, or the loss of two limbs).
Death or Survivor Benefits under Kenner Workers’ Compensation Insurance
It is an unfortunate reality that fatal workplace accidents can and do happen in Kenner. Workers’ compensation insurance helps ease the financial burden for the injured worker’s family by providing death or survivor benefits.
A worker’s spouse, children, or other dependents can receive weekly death benefits when the worker passes away due to a work injury. What’s more, the family can receive up to $8,500 in funeral and burial expenses for a deceased employee.
What Happens When Workers’ Compensation Claims Are Disputed?
Any Louisiana workers’ compensation claims that are in dispute can be reported first to the employer’s insurance company.
If the dispute cannot be resolved, either party can request a mediation conference with a mediator from the Office of Workers’ Compensation. These mediators are licensed attorneys who are trained to mediate disputes in accordance with Louisiana workers’ compensation law.
Claim disputes that are not resolved by the mediator may be filed with the OWCA district office and may be referred to a Workers’ Compensation Judge for resolution.
Find the Best Workers’ Compensation Insurance in Kenner
Looking for workers’ compensation insurance in Kenner, LA? You need the help of a local independent insurance agent.
A local agent can help you learn more about the state’s workers' comp laws, and can help you purchase the right policy to protect your business and your employees.