When an employee suffers a work injury, it may result in negative consequences for the employee’s health. While Louisiana’s workers’ compensation laws allow the employee to recover damages for these future health complications, this has its limits. The employee must prove that this future negative consequence was related to the initial injury at work. This ensures that employees who are rightfully harmed are compensated while also protecting businesses from having to pay for every future medical problem the employee has.
Kym Hurst was a physical therapy assistant for Cirrus Allied in Lafayette, Louisiana. Ms. Hurst had a history of back problems, which she had previously sought treatment for. On January 6, 2010, Ms. Hurst injured her back while helping one of her patients.
Ms. Hurst sought workers’ compensation benefits from her employer and its insurer, Ullico Insurance Company. She was eventually awarded a lump sum of over $46,000 and weekly indemnity benefits. By February 2013, Ullico had stopped paying benefits and had ultimately been declared insolvent. Kentucky Insurance Guaranty Association (“KIGA”) took over for Ullico after the insolvency.