What if my employer does not have workers’ compensation insurance

Under Louisiana law, all employers are required to pay workers’ compensation benefits when their employee is hurt on the job.  This includes all necessary medical care and a check each week equal to 2/3rds of the worker’s average weekly pay up to a maximum amount.   Employers buy workers’ compensation insurance to cover this liability.  However, not having insurance doesn’t mean the employer doesn’t have to pay.  And, if you go to court, the judge can make the employer pay you an additonal penalty for not having workers’ compensation insurance.  The bottom line is – just because your employer is not insured doesn’t mean you can’t make a claim.  Rusty