The Louisiana Construction and Industry Self-Insurers Fund, or the LCI, is a group self-insurance fund in Louisiana, regulated by the Louisiana Department of Insurance. The LCI provides workers’ compensation coverage for thousands of small and medium sized businesses. Along with workers’ compensation, the organization offers services to various policyholders and agents in Louisiana, and these services can include any administrative tasks, underwriting, claims, and audits. Small businesses in Louisiana should know all their options when it comes to workers’ compensation, and LCI serves as a helpful and successful choice.
What Are the LCI’s Benefits?
The LCI can help business owners have access to crucial resources to help build their companies and make them stronger. Every policy offers dependable coverage, an interest-free payment plan, Active Loss Control (confirmation that your business is classified for risk assessment), claims management, and easy online bill pay. The LCI also offers free workshops that cover topics relating to business law, tax tips, and website building assistance. The member association, LCIA, offers members educational training, network events, and a tight-knit community.
How Do I File a Claim?
First, always call 911 immediately after one of your employees gets injured, even if you’re unsure how serious the injury is. Your next step is to call the LCI and report the injury. It’s important to provide as much information as you can when you report a claim. Once the claim is reported, the LCI will initiate their Claims Resolution Process. This includes confirming all the details of the injury, wage information and personal history of the injured employee, a personal interview with the injured employee, and then a final decision as to whether the claim should be accepted or denied.
If you are interested in working with a workers’ compensation insurance company like LCI, but you want to make sure that your claim is being fairly processed, contact our workers’ compensation lawyer at Galloway Jefcoat LLP to help you with possible improper claim handling.