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3 facts to know about workers' compensation

Workers depend on their ability to continue to work to earn a living. For many workers, having to take time off without pay is devastating. This is the reason why injured workers will turn to workers' compensation when they are injured on-the-job. This program is meant to help injured workers get the medical care they need for their injuries while helping them to be able to make ends meet if they are unable to work.

Various injuries are covered

Many people think that only injuries that are due to an accident are compensable under workers' compensation programs. This isn't the case. Repetitive injuries, such as carpal tunnel syndrome, are usually compensable under workers' compensation programs as long as the injury is related to the patient's job. Some workers might get workers' compensation for back, shoulder, or leg injuries. Workers who are around asbestos and suffer from mesothelioma or asbestosis might also receive compensation.

Benefits can vary

The benefits a person is able to get through workers' compensation varies depending on the circumstances. In most cases, a person can have one's medical bills related to the injury covered. If the person is unable to work, partial wage replacement is a benefit that he or she might be due.

Partial wage replacement benefits in Louisiana are determined by figuring up the average weekly wage of the worker. The benefit that is paid is equal to two-thirds, or 66.66 percent, of that average weekly wage. Only employees who are unable to work for seven days due to the effects of the injury are eligible for these payments.

Employees who are permanently disabled are also eligible for payments based on that permanent disability. Catastrophic injuries that meet certain criteria are also eligible for a single lump-sum payment of $50,000. Death benefits, which include a lump sum payment and burial benefits, are also possible if the employee dies within two years of the date of the last treatment for the injury.

Employment classification matters

There are some workers who aren't typically eligible for worke rs' compensation benefits. It is important that you are aware of your employment classification when you start working somewhere so that you are aware of whether you are covered or not.

Exempted employment types for workers' compensation requirements include domestic workers, such as nannies or housekeepers. Independent contractors, volunteers, people who sell real estate, elected officials, and certain other workers are also exempted from workers' compensation coverage in the state. Minors, seasonal workers, full-time employees, and part-time employees must all be covered under workers' compensation insurance.

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