Thank you for choosing LCI Workers’ Comp! Here you’ll find useful information about your coverage with us. If you have questions, please contact us at 985-612-1230 or visit the Meet The Team Page for a list of LCI’s staff.
Making Payments
Invoices are mailed 2-3 weeks prior to the due date. Payment is due in our office on the due date. There is no grace period.
Online: You can pay your bill in the LCI Member Portal at no extra charge. Visit www.members.lciwc.com to create a login for LCI’s secure site. You will need your account number, email address, and billing zip code to register.
EFT Direct Debit Payments: A simple one-time process to have your monthly coverage payments automatically debited from your bank account at NO ADDITIONAL COST. Upon renewal, you must notify your agent or LCI to continue with EFT.
By Mail: Return the tear-off portion of your invoice with your payment and mail it to 1123 N. Causeway Blvd. Mandeville, LA 70471 Please make checks payable to LCI (include your account number at the bottom of the check) and return in a self- addressed envelope provided. DO NOT MAIL CASH.
In Person: Drop off payment at our Mandeville office at 1123 N. Causeway Blvd. Mandeville, LA 70471. Office hours are 8:00am – 4:30pm M-F . Closed for major holidays. There is a drop box at the main entrance for after-hours payments.
By Phone: You can call our office to pay with a check or credit/debit card. A $30 credit/debit card processing fee will apply. Coverages that are canceled for non-payment of premium will be charged a $50 late fee. Please call 985-612-1230 to make a check or credit/debit card payment.
Please call us at 985-612-1230 if you need assistance.
Making Claims
*Remember to report all claims within 24 hours!*
Two Important Things Every Employer Should Do When a Worker is Injured:
- Always get your employee the necessary medical treatment. An injury that may not seem serious can turn much worse if it’s not treated correctly. Don’t take chances. In the event of a serious injury, call 911 immediately. You can find the closest Emergency Rooms and Urgent Care Facilities using this map.
- Report every injury to the Fund. Providing workers’ compensation coverage benefits is one of the most important things you do for your valued employees. When injuries occur on the job, call (888) 246-1988. Report every injury, every time.
Reporting a Claim:
When reporting the claim, it is important to provide all relevant information regarding the injured worker as well as the basic facts of the incident. To report a claim, call (888) 246-1988 or fax the First Report of Injury to (985) 224-4532. For more information, see Member Insured Forms.
Be Sure to Report Every Injury to LCI:
The longer you wait to report an injury could mean higher claims costs and higher premiums for you. Do your best to report all injuries as soon as possible as late reporting often leads to unnecessary litigation and medical treatment by the injured worker. Even if you don’t have all the information, prompt reporting of each and every on-the-job injury is the best policy. Call (888) 246-1988. Report every injury, without delay. For more information, please contact Claims Manager Yvonne Rosen at yvonne@lciwc.com or visit the Reporting A Claim page.
Best Employer Practices
Protect your business! Have your applicants fill out a detailed job application. Job applications are a simple way to have information on an individual in case there is a claim. Perform background checks, medical exams, and vehicle records checks.
The Second Injury Fund (“SIF”) is a state operated worker’ compensation insurance fund program that provides relief to employers where a worker, who already had a pre-existing injury or condition, was hurt on the job. The program encourages employers to hire people with disabilities by reducing financial liability. All employees should fill out the Second Injury Fund paperwork to be eligible to receive this compensation in the event of a qualifying injury.
LCI strongly recommends that all members provide a post-accident Drug & Alcohol Testing Policy. Louisiana Workers’ Compensation law states that an employee who is injured on the job due to an accident during the course of that employee’s employment may be eligible for workers’ compensation benefits. However, if the injury was caused by the employee’s intoxication at the time of the injury, the claim may not be compensable.
A certificate of insurance (COI) is a document that shows that a business has workers’ compensation coverage. COIs are mostly used for businesses that are subcontracting their services to another business.
Have a safety plan. Identify the closest urgent cares and emergency rooms to you. You can use our map to locate them.
Documented safety meetings build a record of safety procedures that are explained to the employees, these records help in a claims scenario. You can use this Safety Meeting Attendance Form to record meeting attendees. LCI provides a wide range of loss control classes that can done at your office or worksite at no cost to you. Accident Prevention + A Safety Management Program = Increased morale, higher productivity, stable workforce, lower injuries to workers.
Please contact Loss Control Assistant Manager Daniel Brockhoeft at daniel@lciwc.com for more information on hiring practices, forms, and Loss Control classes.
Loss Control Inspections
Our Loss Control department focuses on helping our members reduce the frequency and severity of their workplace injuries by evaluating loss potential and providing cost-effective solutions. Preventing workplace accidents is the surest way to minimize our members’ cost of workers’ comp.
You may be contacted by The Loss Control Department to schedule a Loss Control visit at your place of business and/or worksite. The Loss Control Consultant will observe your employees and the worksite itself to get a sense of how you conduct your work. The Consultant will want to recap what was observed during the visit and discuss any recommendations they may have that can guide the members’ company to reduce losses and insurance cost. For more information about the Loss Control Department, contact Loss Control Assistant Manager Daniel Brockhoeft at daniel@lciwc.com or visit the Loss Control Visits page.
Your Annual Audit
The primary purpose of a premium audit is to calculate your final premium. When your coverage was issued, the premium was an estimate of an exposure basis multiplied by a rate. In the audit, LCI will examine your records to establish the actual exposure basis and make sure that the correct classification codes are used in determining your final premium. Because the original premium was an estimate, the audit may result in a change of premium and/or classifications for your business. You will be contacted about completing a premium audit after the coverage expires or is canceled.
Having the appropriate records available for the audit will allow the auditor to complete the process smoothly and accurately. Two types of documents are required to complete your audit: A primary source showing payments made to labor during your coverage period and a secondary source, such as a tax document that is used to verify the primary source. The primary source document should match as closely to your coverage period as possible. It is acceptable to deviate slightly from the coverage period. The secondary source documents may not line up with your coverage period. If your coverage period falls in the middle of the month, simply provide the most recent four quarterly (or annual) tax reports that most closely aligns with your coverage period.
For physical audits, you will be contacted by letter or phone to schedule a date for the audit appointment and you will be requested to provide certain records. For self-reporting audits, a form will be sent to you to fill out and return with the appropriate documentation. Some coverages that meet certain criteria may be eligible for a telephone audit. In all cases, accurate records that are complete and well organized make the audit process much easier. Your advance preparation will help the auditor quickly find what he or she needs and will require less of your time for questions and/or clarifications during the actual audit. If payroll records are being used for the audit, they should be organized to clearly show payroll by:
· Coverage period
· Names of workers
· Job duties of workers (List each type of job separately, i.e. clerical, sales, etc.)
· Separating overtime from regular pay
· Insured and uninsured subcontractors (if subcontractors are insured, please provide their certificates of insurance showing they had workers compensation insurance covering the dates they were paid during your coverage period)
For more information, contact Audit Manager Nancy Hebert at nancy@lciwc.com or visit the Audit Forms page.
LCIA
As a member of LCI, you are entitled to the benefits of LCIA, the member services arm of LCI. LCIA regularly holds events for members.