Under Louisiana workers' compensation law, what is the waiting period before temporary total disability benefits begin?
Correct Answer
D) 7 days
Louisiana workers' compensation has a 7-day waiting period before temporary total disability benefits begin, though benefits are retroactive if disability exceeds 14 days.
Why This Is the Correct Answer
Louisiana workers' compensation law imposes a 7-day waiting period before temporary total disability (TTD) benefits begin. However, if the disability lasts more than 14 days, benefits are paid retroactively from the date of injury.
Why the Other Options Are Wrong
Option A: 30 days
30 days is far too long. A 30-day waiting period would leave injured workers without support for an entire month, which is inconsistent with Louisiana's workers' compensation framework.
Option B: 3 days
3 days is shorter than Louisiana's actual waiting period. Some federal programs use a 3-day waiting period, which may cause confusion, but Louisiana's standard is 7 days.
Option C: 14 days
14 days is the retroactivity threshold, not the waiting period itself. If disability exceeds 14 days, benefits become retroactive to day one — but the initial waiting period is 7 days, not 14.
Memory Technique
Remember '7 days to wait, 14 days to retroactivate' — Louisiana gives you one week (7 days) before benefits start, but if you're still injured after two weeks (14 days), you get paid back to day one. Think of it as a two-stage rule: 7 → 14.
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Calculate Louisiana workers' compensation premium. Payroll: $180,000. Rate: $8.50 per $100 of payroll. Experience modifier: 0.85. What is the annual premium?
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A homeowner refuses to pay the final $8,000 on a completed $45,000 renovation project. The contractor files a lien but the homeowner claims the work was defective. Under Louisiana law, what can the homeowner do to clear the lien?
