or individual
LWCC covers only Louisiana businesses and organizations
workplace safety
Guaranteeing your workplace is as safe as possible for your workforce is the best way to minimize risk and decrease chances of workplace injury.
system of free resources
A vast online library of regularly-updated safety resources, tools, and references made available to policyholder for free.
safety experts
LWCC’s Consultants on Call are dedicated to understanding your operations and customizing safety solutions to meet your needs.
mutual insurance company
We are mandated to serve the mutual benefits of its members.
personalized service
Our Agency Relations Representatives are available to partner with you to serve your policyholders through in-person or virtual visits, depending on your preference.
underwriting team
Specialized team with in-depth knowledge of the unique needs of companies of various sizes and specialties.
tools and information
The team assists agents in connecting to relevant department contacts, as well as resources, tools, guides, and educational materials available from LWCC.
dedicated agent resource
LWCC Agency Relations are here to serve agents and their staff only.
compassionate care
Genuine compassion requires the experience to know what matters and what help is actually needed.
plan development
WorkAction plans are customized to the injured workers’ needs by vocational rehabilitation specialists.
early intervention
Our WorkAction return-to-work program capitalizes on the window of opportunity right after an employee is injured to help create a return-to-work plan that works for you.
return-to-work program
Our experienced team helps design the right program for individual claims, or assist you in creating a proactive program to safely get your employee back to work — all at no cost.
quality medical care
Including hospitals, clinics, specialists, pharmacies, physical therapists, chiropractors, diagnostic testing, durable medical equipment vendors, rehabilitation, and home healthcare providers.
skilled providers
LWCC has selected providers across the state based on their expertise in occupational medicine, professional credentials, use of established treatment guidelines, and effective return-to-work practices.
prompt access
With OMNET®, injured employees are guaranteed appointments with specialists on a priority basis.
statewide
The first of its kind in Louisiana, OMNET includes providers across the state, even in rural areas.
strong financial results
The dividend program is made possible by the sound counsel of our agent partners, our employees’ dedication to excellence in execution, policyholders’ continued commitment to safety, a strategic approach to investment and risk management, and guiding principles that keep us focused on planning and preparing for the unexpected.
policyholders
Returns are maximized by long-term policyholders who become fully vested in the dividend program.
shared
A unique benefit for policyholders of a mutual insurance company.
workers’ compensation related
Provide a broad range of litigation services in the workers’ compensation arena.
provides counsel
The team handles cases of all sizes, regardless of the complexity of the dispute at issue.
in-house legal team
The Johnson, Rahman & Thomas team has approximately 19 lawyers, paralegals and legal assistants.
correct premium
Per the policy, the final premium is determined after the policy ends by using the actual premium (validated at the audit), along with proper classifications and rates.
charged
The amount of premium due.
opportunity
The audit is an important step in the workers’ comp insurance process.
financial gain
Can include paid benefits, unnecessary treatment or prescriptions, misrepresenting business details, and more.
intentional deception
Deception by a member of the workforce, a company leader, or a healthcare provider.
fully protect
Workers’ compensation is a form of insurance providing wage replacement and medical benefits to employees injured on the job.
assist employers
Agents solicit and negotiate insurance contracts for the best fit between an insurer and a business or organization.
valuable resource
LWCC does not write workers’ comp policies directly with employers. We are proud to partner with agents across the state to provide outstanding service to our policyholders and their workers.
business, organization,
LWCC covers only Louisiana businesses and organizations
insurance policy
Our focus always has and always will be workers’ comp insurance
business or individual
LWCC covers only Louisiana businesses and organizations
injured workers
LWCC understands the difficulty of being injured on the job and is there to help those requiring assistance in recovery and return to work.
workers’ compensation
A form of insurance providing wage replacement and medical benefits to employees injured on the job.
private, nonprofit
We are mandated to serve the mutual benefits of our members.
evaluate corporate performance
The broader impact a company is having on the community and the world.
Non financial factors
Environmental, social, and governance
safety resources
Training, information, and experienced professionals made available to policyholders to prevent workplace accidents and improve overall workplace safety.
LWCC’s mutual status provides its policyholders with benefits, resources, and services, including sharing in the financial success of the company through a dividend distribution. With these funds, policyholders invest in business initiatives, make safety improvements, and fund programs or incentives for employees. Together, we have the opportunity to drive transformational change in Louisiana.
Largest annual distribution since program inception
Learn about how this program may impact you as an LWCC policyholder.
The dividend program is made possible by the sound counsel of our agent partners, our employees’ dedication to excellence in execution, policyholders’ continued commitment to safety, a strategic approach to investment and risk management, and guiding principles that keep us focused on planning and preparing for the unexpected.
Dividends may be applied if an account meets certain criteria, such as having an outstanding balance and/or are in pending cancellations for non-payment.
The calculation of rates and dividends are separate exercises that consider different variables at different points in time Rates are created using a prospective estimate of future expected costs. Dividends are determined through a retrospective analysis of how claims have been managed and the performance of LWCC’s investment portfolio, as well as our policyholders and agents vigilant focus on workplace safety. LWCC’s rates have decreased by 64.8% since 1992, including a reduction of 5.1% this year.
A policyholder’s share of the overall dividend increases by length of time with LWCC. All coverage last year and the previous 4 years with LWCC will be considered when calculating the policyholder’s share of the dividend, regardless of if there was a gap in coverage.
While dividends are not guaranteed, we have been able to distribute one every year since 2003.
The Dividend Feedback Form presents an opportunity for our policyholders to share how they utilize their dividend. While there is no expectation of how the funds should be used, over the years we've learned that many businesses choose to invest in themselves, make safety improvements, or create an improved work environment.
However you use your dividend, we want to hear about it! Let us know in the form.
LWCC is a private, nonprofit mutual insurance company and the largest workers’ compensation carrier in Louisiana. Our purpose is to help Louisiana thrive.
There are many ways to get in touch with our team.
Representatives are available to assist you Monday-Friday, 8AM-5PM. Please call and follow the prompts to get your message to the right department.
Making a payment on your policy, or if you have a question regarding the balance on your invoice
Reporting a new claim
Then Press 1
If you are an injured worker
Then Press 2
If you are policyholder or agent
Then Press 3
If you are a medical provider
Then Press 4
Form 1010 or Utilization Review
Then Press 1
Medical Bill Status
Then Press 2
Electronic or previously mailed payment
Then Press 3
Scheduling or rescheduling an audit, checking audit status, or for general audit questions
For agent partners experiencing online issues or with questions related to your agency
Inquiring about policy status, classifications, rating, loss runs, or if you have general policy questions
Reaching a specific employee at LWCC by name by locating them in the company directory
Making a payment on your policy, or if you have a question regarding the balance on your invoice
For reporting a new claim or to determine which claim rep is assigned to a file
For inquiries and questions regarding your premium audit
For policy status, coverages, loss runs, and all other inquiries
For inquiries or questions for LWCC’s Safety Services department
For submitting signed Non-Election Notice, Personal Guaranty, or other required documents when binding an LWCC policy
For submitting completed Agent of Record letter forms
For mailing standard payments to LWCC. Please include the payment coupon from the bottom of your invoice. Make checks payable to LWCC and write your policy number on the check.
For mailing payments to LWCC for overnight processing. Please include the payment coupon from the bottom of your invoice. Make checks payable to LWCC and write your policy number on the check.
For mailing all HCFA, UB and dental bills for bill review. Please include medical records related to the dates of service on the bills, including reconsiderations.
For mailing all injured worker forms, reports, reimbursements, and bills.
Policyholders and agents can log in to gain full access to current information regarding LWCC policies and workers’ comp claims.
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.
Log in to your account, select “report claim,” and fill in the details about the accident being reported. Our expert claims team will do the rest.
All policyholders are invited to create an account login. In addition to reporting claims quickly and easily online, you’ll also gain access to policy actions, information, and documents.
Click register for an accountComplete this form, distributed by Louisiana Workforce Commission’s Office of Workers’ Compensation, to begin the claim reporting process.
Click here access the formIf you’re sending attachments with the form, please include the injured employee’s name and your policy number for identification purposes.
If necessary, an LWCC claims service professional will call you within 24 hours to discuss the injury.
Complete this form, distributed by Louisiana Workforce Commission’s Office of Workers’ Compensation, to begin the claim reporting process.
Click here access the formIf you’re sending attachments with the form, please include the injured employee’s name and your policy number for identification purposes.
If necessary, an LWCC claims service professional will call you within 24 hours to discuss the injury.
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.
In September 2024, LWCC transitioned to a new payment system. If you utilize ACH debit block fraud protection, please provide your bank with Payee Code: 0000408976 prior to making a payment.
No action is needed if you do not utilize ACH debit block fraud protection or if paying with a debit or credit card.
Sign in using your LWCC login to view account balances, make secure online payments, set up or modify automatic payments, and view payment history.
Registering streamlines the payment process by eliminating the need to enter your policy number and pay code each time. Registered users can save multiple payment methods in their wallet, set up automatic payments, and view their payment history.
eCheck (checking or savings), debit card, or credit card
For new policyholders who recently bound a quote with LWCC, please enter your quote number and your company’s mailing ZIP code to make your first payment and issue your policy.
For policyholders ready to make a payment on an invoice, please enter your policy number and the pay code found on your latest invoice.
Paying as a registered user can streamline your payment process by eliminating the need to enter your policy number and pay code each time. Registered users can also save multiple payment methods in their wallet, set up automatic payments, and view their payment history.
Billing representatives are available Monday through Friday, 8am to 5pm, to assist with payments and answer any policy billing questions.
Have your policy number and preferred payment method available.
When mailing your policy payment, please include the payment coupon from the bottom of your invoice. Make checks payable to LWCC and write your policy number on the check.
LWCC
P.O. Box 919142
Dallas, TX 75391-9142
JP Morgan Chase
Attn: LWCC – LB# 919142
14800 Frye Road, 2nd floor
Ft. Worth, TX 76155
