Most Louisiana construction workers who are injured on the job are entitled to receive workers’ compensation benefits. In broad terms, workers’ compensation is a form of insurance coverage that most employers are required to carry. Benefits can help to ease some of the financial burdens associated with a workplace injury.
In regards to medical treatment, the insurance will often cover the injured employee’s medical bills, medications and related costs. If the employer has designated a list of physicians for this purpose, the injured employees are required to use a doctor from this list for a specified period of time.
The insurance also provide financial benefits for employees who are temporarily or permanently disabled because of a workplace construction accident. Temporary disability, which must be verified by a doctor, usually covers about two-thirds of the injured employee’s average weekly gross pay. Employees permanently injured in a workplace accident may receive a monetary award to compensate for their injuries. The amount typically depends on the severity of the individual’s disability, as well as other factors such as occupation, age and wage level when the injury occurred.
To receive workers’ compensation benefits, employees should inform their employer immediately after they experience an injury and file a claim within the statutory time period, which varies by state. The employer is then responsible to contact the insurer.
Construction workers who become severely injured on the job might benefit from the advice of legal counsel. In some cases, they might be entitled to pursue a separate lawsuit against a non-employer third party, such as if the injury was caused by a defective piece of equipment.
Source: FindLaw, “Construction Accidents and Workers’ Compensation”, Dec. 27, 2016