CLAIMS

Accidents happen. We're here to help.

Even in a safe workplace, accidents can happen. When they do, reporting them quickly allows for optimal results and engages LWCC’s tailored claims process and robust network of skilled professional and medical providers.

Contact the Claims Department

225-924-7788
Toll free: 800-519-7787
Fax 225-231-2301

“My worker is injured. What do I do next?”

Getting injuries reported immediately, even if you do not have all of the necessary information about the claim, is critical. Every hour you delay reporting an injury can negatively impact the injured worker and substantially increase claim costs, which potentially can drive up your premium.

Step 1

Report the accident as quickly as possible and take your employee to be drug tested

Step 2

Manage every aspect of your claim with the guidance and assistance of our specialized claims teams

Step 3

Get the best care for your worker utilizing OMNET, LWCC’s statewide occupational medicine network

Step 4

Customize a plan to get your worker back to work with LWCC’s return-to-work program, WorkAction

STEP 1

Report a Claim

Getting accidents reported immediately is very important. LWCC offers you several quick, easy ways to report claims. We will take care of the filing requirements and deadlines with state or federal agencies on your behalf.

Ways to report a claim

Online

interactive.lwcc.com

The fastest way to report your claim is through LWCC’s password-protected website, LWCC Interactive. Simply complete the information about the accident being reported, and we’ll do the rest. Note: If you do not already have an LWCC Interactive login, first you will need to register.

Email

onlineclaims@lwcc.com

Email is another quick method of claim reporting. Simply fill out the Louisiana Workforce Commission’s Office of Workers’ Compensation’s “First Report of Injury or Illness” (Form LWC-WC-IA-1) and email the report to onlineclaims@lwcc.com. An LWCC claims service professional will then contact you within 24 hours.

Fax

225-231-2301

If you prefer to fill out the Louisiana Workforce Commission’s Office of Workers’ Compensation’s “First Report of Injury or Illness” (Form LWC-WC-IA-1), you may fax the report to LWCC. An LWCC claims service professional will then contact you within 24 hours.

Phone

225-924-7788

Press 2, then Press 1

Our toll-free, 24-hour Claims Reporting Hotline puts you in touch with a friendly claims service professional who will obtain your information, handle the administrative paperwork, and process the claim for you.

What kind of claim should I report?

Determining what kind of claim you should report, select which statement best describes your claim:

Reporting Purposes Only (RPO)

LWCC’s RPO program is for reporting minor injuries, designed to help you without adversely affecting your premium rates and E-Mod. The RPO program encourages you to report all claims – even minor injuries that do not require any medical treatment.

Medical Only (MO)

Medical Only claims are those in which a workplace injury or illness requires professional medical attention but does not result in the injured worker losing time away from work. In these cases, any appropriate and necessary care by a medical provider is covered.

Lost Time

Claims serious enough to warrant the doctor taking the injured worker off his or her regular duty for a period of time.

STEP 2

Manage your Claim

Until your employee is back at work, costs can continue to impact your bottom line and your premium. The goal of our claims team is to help you get your employees well and back to work as soon and as safely as possible.

Industry experts committed to providing effective care for injured workers

No two claims are alike in their scope and severity. Our Claims Team specializes in the unique aspects of each claim. They are compassionate industry experts who manage all aspects of a claim, helping minimize waste, reduce claims costs, and return injured workers to work as soon and safely as possible.

Here’s what you can expect from our Claims Team and the services they provide.

Claims Representative

When a claim is deemed compensable, we have a team of experts who specialize in the unique aspects of the claim to handle your employees medical benefits and lost wages, as well as assist them with returning to work.

Claims Specialists (CS)

LWCC responds to serious or catastrophic claims with specialized services, including representatives on call 24 hours a day. Our Claims Specialists coordinate face -to-face meetings with you, your injured worker, and their family members.

Recovery Specialists

Our Claims Recovery Specialists are experts who pursue at-fault third parties to recoup your claims costs, a process known as subrogation. We also seek reimbursements from the Second Injury Fund.

Medical Services Team

LWCC’s Medical Services Team oversees the medical care of job-related injuries and illnesses and facilitates well-managed care through our occupational medicine network, OMNET®, to minimize lost time and facilitate return-to-work. Our Medical Services Team consist of a Medical Director, as well as registered nurses and other specialists who handle pharmacy and Durable Medical Equipment.

Investigative Claims Representatives (ICRs)

When a more serious claim occurs that warrants the injured worker losing time away from work, or if a claim is questionable, an Investigative Claims Representative (ICR) will become involved. Our investigative claims representatives are trained to conduct thorough, on-site investigations on lost-time claims. The ICR will gather information about the circumstances of the accident, obtain statements from any witnesses, and gather evidence to determine if a claim is compensable.

STEP 3

Get the Best Care for Your Worker

OMNET is LWCC’s statewide occupational medicine network. When your employees use OMNET, they get the best care possible for a faster recovery and return to work, resulting in lower claims cost.

FIND AN OMNET PROVIDER
STEP 4

Get Your Worker Back to Work

The key to getting your injured worker back to work is early intervention. LWCC’s return-to-work program, WorkAction, capitalizes on the window of opportunity right after an employee is injured to help create a return-to-work plan that works for you and your employees.

MORE ON WORKACTION

Claims Resources

Forms

First Report of Injury

When a worker is injured on the job, a First Report of Injury must be completed. The First Report of Injury provides necessary information needed to begin the claims process.

Forms

First Report of Injury (Longshore)

Employees injured while engaged in maritime employment upon the navigable waters of the United States require the completion of Form LS-202. Timeliness is especially important with longshore reporting.

Guides

How to Report a Workers’ Comp Claim

Getting injuries reported immediately, within one hour, even if you do not have all of the necessary information about the claim is critical. Every day you delay reporting an injury can substantially increase claim costs, which potentially can drive up your premium.

Forms

Choice of Physician (Form LWC–WC 1121)

As an injured worker, Louisiana law gives you the right to choose your own doctor, in any field or specialty of medicine, for necessary medical treatment and care.

General

Second Injury Fund (SIF Questionnaire)

The Second Injury Fund (SIF) is a state-administered program that may reimburse part of a claim when an employee with a permanent pre-existing condition is subsequently injured on the job.

General

The Importance of Reporting Purposes Only (RPO) Program

The RPO program is a safeguard for you. LWCC wants to be certain that all bases are covered in case the injury turns into something more serious than originally anticipated.

General

Medicare Secondary Payer Mandatory Reporting

Medicare requires strict reporting to identify money previously paid by Medicare that a primary payer should have paid.

General

Medical & Wage Benefits

Learn more about what benefits are owed to you when you’re injured on the job.

Articles

HiMarley

Policyholders and Injured Workers have the opportunity to text with their claims representative.

SERVICES & PROGRAMS

Working Together to Help Louisiana’s Workforce Recover & Return to work

LWCC is the smart choice when it comes to managing your claims. We understand that until your employee is back at work, costs can continue to impact your bottom line and your premium. Our claims management services and programs are a benefit of being insured by LWCC.

Second Injury Fund, Subrogation & Recovery

State-administered program that may reimburse part of a claim when an employee with a permanent pre-existing condition is subsequently injured on the job

Encourages employers to hire people with disabilities by reducing financial liability if these employees get hurt on the job and SIF elements are met

May help reduce your experience modifier (E-mod), leading to lower workers’ compensation premiums

Pursues at-fault third parties to reduce claims costs

Seeks reimbursements from the Second Injury Fund

Medical services

Includes registered nurses

Manages utilization review, pharmacy, and durable medical equipment programs

Works to facilitate treatment & help employees return to work

Collaborates with claims representatives on medical issues, and attends doctor conferences

Provides peer review, when needed, for physicians, physical therapy, and chiropractic care

Legal Services

In-house law firm providing counsel to LWCC policyholders in workers’ comp related legal matters

Unique expertise in Louisiana workers’ comp law, regardless of the magnitude and complexity of the dispute

LWCC has specialized attorneys that handle subrogation and Second Injury Fund

Expertise in Longshore, Maritime Subrogation, Employers Liability defense

Return to Work Program

Vocational rehabilitation specialists help injured workers get back to work

Provides on-site job analysis through our WorkAction return-to-work program

Manages lost work days using OMNET®, a network of providers who share our return-to-work philosophy

Catastrophic Claims Management

Specialized services for catastrophic claims

Staff on call 24 hours a day

A claims representative for face-to-face meetings with you, the medical team, the injured workers, and family members