If you’ve been injured on the job in Louisiana, you may assume that filing a workers’ compensation claim is a straightforward process. Unfortunately, many injured workers are surprised to learn that their claims have been denied, even when the injury seems obvious and work-related. Understanding why these claims get denied can help you avoid costly mistakes.
Workers’ compensation laws in Louisiana are complex and often leave little room for error. Employers and insurance companies will look for any reason to minimize or reject your claim. Below are six of the most common reasons workers’ compensation claims are denied in Louisiana, along with tips on how to avoid them.
1. Failing to Report the Injury on Time
One of the biggest reasons claims are denied is simply failing to report the injury in time. In Louisiana, injured workers are required to notify their employer as soon as possible, but no later than 30 days from the date of the accident or the date they became aware of the injury. If you wait too long, the insurance company may argue that your injury is not legitimate or not related to work. Even if you think the injury is minor, report it immediately. To avoid this issue:
- Notify your supervisor or HR department in writing as soon as the injury happens.
- Keep a copy of any written report or email you submit.
- Tell any medical providers that the injury occurred at work so it is documented properly.
2. Lack of Medical Evidence
Your claim must be supported by strong medical documentation. If there’s no medical record of your injury or if your records don’t clearly link the injury to your job, your claim may be denied. Some workers wait days or even weeks before seeking medical treatment, which creates a gap in documentation that insurers use to their advantage. To protect your claim:
- Seek medical treatment immediately after your injury.
- Tell your doctor exactly how the injury happened and that it occurred on the job.
- Follow through with all recommended treatments and keep copies of your records.
3. The Injury Is Not Considered Work-Related
Louisiana workers’ compensation only covers injuries that “arise out of and in the course of employment.” If your employer or their insurance carrier believes the injury happened off the job or was caused by your own misconduct, they may deny the claim. Common scenarios where this issue arises include:
- Injuries that occur during lunch breaks or while commuting
- Accidents that happen during horseplay or while violating safety rules
- Pre-existing conditions that are aggravated at work
To strengthen your case, provide detailed information about how the injury occurred and get witness statements if others saw what happened. If your injury is being questioned as work-related, our workers' compensation attorneys can help clarify your eligibility and fight for your rights.
4. Discrepancies in Your Statements
Insurance adjusters will review your statements carefully. If the story you tell your employer, your doctor, and the insurance company doesn’t match up, your claim may be denied for “inconsistencies.” Even small differences in timing, symptoms, or circumstances can raise red flags. Avoid this problem by:
- Being truthful and consistent in all conversations and forms
- Writing down what happened as soon as possible so your memory is clear
- Consulting with an attorney before providing recorded statements to the insurance company
Remember, you are not required to give a recorded statement without legal representation.
5. Missed Deadlines or Incomplete Paperwork
Filing a workers’ compensation claim in Louisiana involves a lot of paperwork and tight deadlines. Missing even one deadline can cause your entire claim to be thrown out. For example:
- You must report your injury within 30 days to your employer
- You typically have one year from the date of the accident to file a disputed claim with the Office of Workers' Compensation Administration
To stay on track:
- Keep a written timeline of important dates and steps taken
- Organize all forms and documents in one place
- Consider working with an attorney to ensure all paperwork is completed correctly and submitted on time
6. The Claim Is Actively Disputed by the Employer
Sometimes, your claim can be denied simply because your employer disputes it. They may argue that your injury is not as severe as you say, that it did not happen at work, or that it was caused by something outside of their responsibility. In some cases, employers are motivated by rising insurance premiums or other financial concerns, and they actively work to challenge valid claims.
If your claim is being contested, you have the right to fight back. You can request a hearing before a workers’ compensation judge and present your case. Working with a skilled legal team can make the difference between denial and approval. If your employer is trying to deny you benefits unfairly, we are ready to stand by your side and pursue your claim aggressively.
Was your Louisiana workers’ comp claim denied? Don’t give up. Our experienced attorneys know how to handle insurance companies and employers who try to avoid paying what’s fair. Contact us today and let us help you get the benefits you deserve.
