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Maintenance and Cure Benefits Explained

Maritime work keeps commerce moving, yet injuries and illnesses can occur even on well-run vessels. Maritime law answers that risk with maintenance and cure – a no-fault benefit that covers daily living costs and medical care while you recover. You do not have to prove negligence to receive these payments, and you do not give up other claims by accepting them.

If you need maintenance and cure in Louisiana,  you deserve clear guidance, steady support, and a path forward that respects both your health and your livelihood. We provide all of that and more at Morris & Dewett Injury Lawyers.

Our legal team helps you understand what qualifies, how to collect maritime benefits for seamen, and when to press for more. We keep the tone calm and practical so you can make informed decisions with confidence. When you are ready to speak with legal counsel, we will listen, evaluate the facts, and map a plan that fits your goals. Please get in touch for more information on how we can help.

What Maintenance and Cure in Louisiana Cover

Maintenance is the daily stipend that replaces the food and lodging you lost when an injury or illness forced you off the vessel. Think rent or mortgage, utilities, basic groceries, and similar necessities. Courts focus on what it costs you to maintain a modest household while you recover on shore. The amount should match your real, reasonable living expenses, not an arbitrary number.

Cure is the medical side of the benefit. Covered items include doctor visits, hospital care, prescriptions, physical therapy, diagnostic testing, surgery, durable medical equipment, and transportation to medical appointments when needed. Care must be reasonable, necessary, and related to the injury or illness you suffered while in the service of the vessel.

Coverage for maintenance and cure in Louisiana lasts until you reach maximum medical improvement (MMI). MMI means additional treatment will not materially improve your condition. Many disputes center on that line. We will gather medical opinions and objective records to show where you truly stand on the road to recovery.

Who Qualifies for Benefits?

Maritime benefits for seamen include maintenance and cure when they suffer an injury or illness while in the service of a vessel. You do not have to be on the clock or performing a specific task at the instant symptoms start. Courts interpret “in the service of the vessel” broadly, capturing a range of duties and living aboard realities that come with maritime work. Shore leave episodes and off-duty moments can still qualify when the connection to service remains real.

Status as a seaman requires a substantial connection to a vessel or fleet of vessels in navigation. Inland towboats, offshore supply vessels, and dredges all fit within that framework. If your assignments tie you regularly to vessels under common ownership or control, you likely meet the standard. When questions arise, we will assemble dispatch logs, crewing records, and testimony to show the nature of your connection.

Requests for maintenance and cure are separate from an unseaworthiness claim or a negligence claim under the Jones Act. You can pursue all pathways together without forfeiting one for another. That flexibility matters when injuries have multiple causes or when medical needs outpace early payments. A Louisiana maritime law attorney  with Morris & Dewett Injury Lawyers will clearly spell out all of your legal options and handle whatever complexities arise.

How to Collect Maritime Benefits for Seamen

Start by notifying your employer or the vessel’s designated contact that you are seeking maintenance and cure. Provide a straightforward description of the incident or onset, along with the date, location, and the vessel involved. Early notice helps the claim move without delay and increases your chances of obtaining maritime benefits for seamen.

Keep organized records. Save rent receipts, utility bills, and grocery totals so maintenance reflects true living costs rather than a low, outdated daily rate. For cure, maintain a folder with prescriptions, appointment summaries, referrals, and mileage or travel receipts tied to medical care. Accuracy and consistency strengthen your request and reduce back-and-forth.

Our maritime lawyer will prepare a demand that states your seaman status, explains the injury-or-illness connection to vessel service, and documents every dollar sought. Suppose the company accepts your claim but proposes a maintenance amount that does not fit your real housing and food costs. In that case, we will present a complete expense picture and press for an adjustment supported by receipts and sworn statements.

Common Disputes and How We Respond

Some employers contest whether you are a seaman, whether the condition arose in the service of a vessel, or whether a preexisting condition breaks the chain of coverage. Others argue that care has reached MMI when treating physicians disagree. A few attempt to impose a fixed maintenance rate that does not reflect modern housing costs.

An additional friction point is the company-doctor problem. You have a right to reasonable and necessary treatment, including the use of physicians you trust. Conflicts between independent providers and company-aligned clinics often drive delay. Our maritime law attorney will gather opinions from treating physicians, highlight objective findings, and request prompt payment of undisputed amounts while the contested portions are evaluated.

Employers sometimes claim intentional concealment of a material medical condition during hiring. That defense requires proof of a false or incomplete response to a medical questionnaire, materiality to the job, and a causal link to the current condition. We will analyze pre-employment forms, prior records, and job demands to challenge any overreach and to keep benefits moving where the defense fails.

When to File a Lawsuit

Lawsuits become necessary when an employer denies, delays, or short-pays benefits without a good-faith reason. Court involvement may also be appropriate if the company refuses to honor your choice of physician, stops payments before MMI, or ignores clear evidence that a recommended treatment is curative. Filing suit allows you to seek unpaid maintenance and cure, interest, and—in cases of willful, wanton refusal—punitive damages and legal fees.

Deadlines matter. Maritime limitations periods vary by claim type, and evidence is easier to gather earlier in the process. Prompt action helps protect your rights while negotiations continue. Filing can proceed while benefits flow, especially when a partial dispute lingers over rates or the scope of specialist care.

A maritime lawyer with Morris & Dewett Injury Lawyers will evaluate whether the record supports punitive damages for a stubborn refusal to pay. Courts have recognized that intentional or reckless nonpayment undermines the  nce and cure, and a targeted suit can correct that conduct while compensating you for the added burden.

How We Support Your Maintenance and Cure Claim

You can expect steady communication and careful preparation. We will explain the difference between maintenance and cure and fault-based claims so you can make informed choices about each path. Our focus remains on restoring benefits quickly, building leverage for any parallel claims, and keeping paperwork under control.

While a settlement will always remain a possibility, we will be ready to go to court if needed. When companies pay late or stop without cause, litigation can reset the process and protect your rights. Our maritime attorney will file targeted motions and use discovery to obtain internal communications, audits, and policy documents that explain why benefits stalled. That pressure often drives resolution.

A Closer Look at Maximum Medical Improvement

MMI does not mean full recovery. It marks the point where further curative care is unlikely to improve your condition in a meaningful way. Palliative treatment can continue after MMI for symptoms and pain, while maintenance and cure generally stops at MMI for curative items. Disputes arise when a recommended surgery, injection series, or rehabilitative program offers meaningful improvement, but the company claims it will not change the outcome.

Objective medical evidence carries weight. Functional capacity evaluations, consistent imaging findings, and well-documented therapy progress often move a disputed case toward resolution. If the company refuses to consider credible medical opinions and stops paying prematurely, additional legal action may be required to restart payments and address the improper cutoff.

We will work with your doctors to prepare concise statements that explain the treatment path and expected gains. Clear timelines and realistic goals help resolve disputes before they become lawsuits.

Local Realities of Maintenance and Cure in Louisiana

Louisiana ports support inland towing, offshore energy, commercial fishing, and other types of maritime traffic. That mix creates unique duty cycles, vessel designs, and medical access issues that can complicate benefits. When you seek maintenance and cure in Louisiana, you still rely on federal maritime principles. However, local medical networks, housing costs, and transportation realities shape what maintenance and cure should look like day to day.

The legal professionals with Morris & Dewett Injury Lawyers often see conflicts tied to low, legacy maintenance rates that do not reflect current rents in port cities and coastal parishes. We also see cure disputes when specialist appointments require travel from remote docks to regional medical centers. Accurate budgets, appointment records, and mileage logs bring those gaps into focus and support a proper adjustment.

If you search for reliable guidance on maritime benefits for seamen, you will find familiar rules, but your facts will drive the outcome. We will tailor the presentation of proof to fit work patterns common to inland fleets and offshore operations that call Louisiana home.

A Quick Checklist for a Stronger Maintenance and Cure Claim

The following are important steps for a strong claim:

  • Confirm seaman status with rosters and pay records.
  • Provide prompt notice and keep all expense receipts.
  • Track medical referrals, imaging, and therapy progress.
  • Ask treating physicians to explain why each step of care remains curative.
  • Maintain a simple ledger for rent, utilities, groceries, and travel to care.

Maintenance and Cure FAQs

How long do maintenance payments last?

Payments continue until MMI. Your treating providers define that point through progress notes, exam findings, and outcomes. If a recommended treatment has a meaningful chance to improve function, maintenance and cure should continue during that period. Disputes about MMI are resolved with objective medical proof and, when necessary, judicial review.

Can you choose your own doctor?

Yes. You control reasonable and necessary medical care tied to your injury or illness. Company doctors can participate, yet you are not confined to a single path when evidence supports a different course. Second opinions and specialist referrals carry weight when they rest on testing and documented improvement.

What if your employer denies benefits?

You can request reconsideration with added documentation, pursue unpaid amounts through litigation, and seek punitive damages and legal fees when the refusal is willful or reckless. Prompt action protects your position and reduces the chance that important records go missing.

Our Maritime Law Attorneys Focus on Your Recovery and Your Future

If you need maintenance and cure in Louisiana, or if you need help obtaining maritime benefits for seamen, the professionals with Morris & Dewett Injury Lawyers are ready to help you weigh options and act decisively. Schedule a free consultation by contacting us online or calling 318-221-1508.

common questions for motor vehicle accidents

We understand you have many questions after your accident. Here are answers to the concerns we hear most often from Louisiana families:

 

Can I still recover compensation if I was partially at fault for my accident?

This worry keeps many people from seeking help when they desperately need it. The good news is that Louisiana law specifically protects people in your situation through comparative fault rules.

Even if you were partially responsible, maybe you were slightly over the speed limit when the other driver ran a red light, you can still recover compensation. Louisiana reduces your recovery by your percentage of fault but doesn’t eliminate it entirely. If you’re found 20% at fault, you still recover 80% of your damages.

This is different from some states where any fault eliminates your right to compensation entirely. Louisiana’s approach recognizes that accidents often involve multiple factors, and you shouldn’t bear the full financial burden when someone else’s negligence was the primary cause.

We’ve helped many clients who initially thought they were “too much at fault” to have a case. Often, what seems like clear fault to you isn’t how the law sees it. Insurance companies may try to assign you more blame than you deserve, but we know how to protect your rights and present the full picture.

State Farm denied my claim. What can I do?

A denial from State Farm doesn’t mean your case is over. Insurance companies deny legitimate claims more often than most people realize, and these denials can often be overturned with the right approach.

First, request a detailed written explanation of why they denied your claim. State Farm must provide specific reasons based on policy language or their investigation. Common reasons include disputes over fault, questions about coverage, or claims that documentation is insufficient.

Next, gather all your evidence including police reports, medical records, photos, witness statements, and any communication with their adjusters. Often, denials are based on incomplete information or misunderstandings about what happened.

You can appeal the denial directly with State Farm by providing additional evidence and addressing their stated concerns. However, insurance companies know most people will give up after the first denial, so they may not take your appeal seriously without legal representation.

We’ve successfully overturned many State Farm denials by presenting cases properly and holding them accountable to Louisiana law. Don’t let their initial “no” discourage you from pursuing the compensation you deserve.

What should I do if I was hit by an uninsured driver?

Being hit by an uninsured driver feels like a nightmare, but you still have options for recovery. Louisiana requires all drivers to carry insurance, but unfortunately, many people drive without it.

Your first option is your own uninsured motorist coverage. If you have this coverage, which is often required in Louisiana, it acts as a substitute for the other driver’s missing insurance. However, uninsured motorist claims can be complicated because you’re essentially filing a claim against your own insurance company.

Your insurance company may try to minimize your claim or dispute fault, even though their own insured wasn’t responsible for the accident. They might argue you were partially at fault or that your injuries aren’t as severe as you claim.

We help clients navigate these complex claims by gathering evidence, working with medical experts, and negotiating with insurance companies who know we’ll take the case to court if necessary. Even when the other driver has no insurance, Louisiana law still provides ways to recover compensation for your injuries and damages.

Don’t assume you’re out of luck because the other driver was uninsured. Contact us to review your coverage and explore all available options.

I've already made mistakes after my accident. Is my case ruined?

Don’t panic. We’ve helped many clients who thought they ruined their cases by making common mistakes. While some errors can complicate your case, most can be addressed with the right legal strategy.

Maybe you told the insurance adjuster you felt fine, posted photos on social media, or even said “I’m sorry” at the scene. These mistakes are frustrating, but they don’t automatically destroy your case.

Insurance companies want you to believe these mistakes are fatal to your claim, but experienced lawyers know how to address them. We can explain the context of your statements, present medical evidence showing your injuries developed over time, and counter insurance company arguments about your social media posts.

The key is getting legal help quickly. The sooner we can start working on your case, the more we can do to minimize the impact of any mistakes. We’ll review what happened, explain how it might affect your case, and develop a strategy to protect your rights going forward.

Remember, insurance companies make mistakes too, and they’re not always honest about their obligations. Don’t let fear of past mistakes prevent you from seeking the compensation you deserve.

How to Get Your Accident Report in Alexandria, LA

After a car accident, securing a copy of your official accident report is a crucial step in protecting your rights. In Alexandria, these reports are typically available through local law enforcement agencies.

If your accident happened within city limits, you can request your accident report from the Alexandria Police Department. For accidents investigated by the Louisiana State Police—such as those occurring on interstates or highways—contact Troop E. Reports may often be requested online, in person, or by mail.

Before visiting the police station, it’s helpful to have the following information ready:

  • The date and location of your accident
  • Names of drivers involved
  • The report number, if you received one from the responding officer

Fees may apply, and processing times can vary. If you have any trouble obtaining your report, don’t hesitate to reach out for assistance—we’re familiar with the process and can help ensure you have all the documentation you need.

How to Obtain Your Baton Rouge Accident Report

After a car wreck in Baton Rouge, your accident report is a critical piece of evidence for your claim. Here’s how you can get a copy:

  • If the Baton Rouge Police Department responded to your crash, you can request your accident report by visiting their headquarters at 9000 Airline Highway, Baton Rouge, LA 70815. Reports are usually available within 5–7 business days. Bring a government-issued ID and any relevant information about the accident, such as the date, time, and location.

  • Suppose the Louisiana State Police handled your accident (common on highways or interstates). In that case, reports can be obtained online through the Louisiana State Police website or by submitting a request to their headquarters by mail.

  • For accidents investigated by the East Baton Rouge Parish Sheriff’s Office, request your report in person at their office or call ahead for details on the process.

Keep your accident report in a safe place—it documents essential information like fault, witness statements, and a diagram of the scene. If you’re having trouble tracking it down or the process feels overwhelming, we’re here to help guide you every step of the way.

How do I get a copy of my accident report in Louisiana?

Getting your accident report quickly is crucial for your case. In Louisiana, the process depends on which agency investigated your accident.

For accidents within city limits such as Baton Rouge, Lafayette, or Alexandria, contact the local police department. Most allow you to request reports in person, by mail, or online through their official websites. You’ll need the accident date, location, and names of those involved. There’s usually a small fee for each copy.

For accidents on highways or interstates investigated by Louisiana State Police, you can request your report online through their website or by mail. State Police reports often take a few days longer to process.

For accidents in parishes outside city limits, contact the parish sheriff’s office that responded to your crash.

Bring government-issued ID and be prepared to provide details about the accident including the date, time, location, and names of everyone involved. Most agencies have the reports available within 5-7 business days.

If you’re having trouble locating the right agency or the process feels overwhelming while you’re dealing with injuries, we can help you obtain your report quickly. Having this documentation early protects your rights and strengthens your case.

What are the most common causes of car accidents in Louisiana?

Understanding what causes accidents in Louisiana can help you stay safe and also helps us build stronger cases when accidents do happen.

Distracted driving tops the list. Whether someone is texting, changing the radio, or reaching for something, taking attention off the road for even a few seconds often leads to crashes. Louisiana has seen a significant increase in distracted driving accidents.

Impaired driving remains a major problem. Louisiana consistently ranks among the states with the highest rates of alcohol-related fatalities. In 2024, impaired drivers caused 557 deaths in our state.

Speeding and aggressive driving contribute to many serious accidents. Louisiana drivers often exceed speed limits, making crashes more severe when they occur. Aggressive behaviors such as tailgating and unsafe lane changes increase the risk.

Weather conditions play a significant role. Louisiana’s sudden storms, heavy rain, and flooding can transform familiar roads into hazards within minutes. Many accidents occur when drivers don’t adjust their driving for conditions.

Failure to yield and running red lights cause many intersection accidents. These crashes often involve T-bone collisions with severe injuries.

Driver fatigue is increasingly common, especially among commercial drivers and people working long hours.

Understanding these causes helps us investigate your accident thoroughly and identify all factors that contributed to your crash.

How do Louisiana's car accident laws compare to other states?

Louisiana’s car accident laws have several unique features that can significantly impact your case.

Statute of limitations: Louisiana recently extended the filing deadline to two years for accidents after July 1, 2024, compared to one year previously. This is still shorter than states such as California or Florida, which allow up to four years, but longer than the previous Louisiana standard.

Comparative fault: Louisiana uses “pure comparative fault,” meaning you can recover damages even if you were partially responsible for the accident. If you’re 30% at fault, you receive 70% of your damages. This is more generous than states such as North Carolina or Alabama, where any fault bars recovery entirely, or Texas, which uses a 51% bar.

Insurance requirements: Louisiana requires minimum coverage of $15,000 per person, $30,000 per accident for bodily injury, and $25,000 for property damage. This is similar to other Southern states but lower than states such as Maine or Alaska.

Unique legal system: Louisiana follows civil law rather than common law, which can affect how cases are interpreted and decided. This makes having a Louisiana attorney familiar with our specific legal system crucial.

No-fault features: Louisiana has some no-fault insurance elements, meaning your own insurance may cover certain expenses regardless of who caused the accident.

These differences can significantly impact your case strategy and potential recovery. Working with attorneys who understand Louisiana’s unique legal landscape is essential for protecting your rights.

What to Do If You’re in an Atchafalaya Basin Bridge Accident

What to Do If You’re in an Atchafalaya Basin Bridge Accident

The Atchafalaya Basin Bridge is one of Louisiana’s busiest and most challenging stretches of highway. Accidents here can quickly turn chaotic due to traffic congestion, limited shoulder space, and the sheer size of the bridge. If you find yourself involved in a collision on this notorious bridge, these steps can help protect your safety, rights, and any future claim.

1. Focus on Safety First
Move your vehicle out of traffic if you can do so safely—use hazard lights and pull onto the shoulder. If your car is undriveable, stay inside with your seatbelt fastened until help arrives to avoid being struck by passing vehicles. Call 911 immediately so Louisiana State Police and emergency responders can secure the scene.

2. Document the Scene
Take photos of all vehicles involved, road conditions, traffic signs, and any nearby mile markers or exits. Make note of the weather, lighting, and any debris or hazards. Evidence at the scene can disappear quickly on a busy interstate bridge—document as much as possible while remaining safe.

3. Get Witness Information
Accidents on the bridge often involve multiple vehicles. If others stopped to help, ask for names and contact details. Witness accounts can be crucial, especially in pileups or when the crash circumstances are unclear.

4. Notify Your Insurance Company
Report the accident to your insurance provider as soon as possible and provide them with all relevant details and documentation. Avoid offering speculation or admitting fault—instead, stick to the basic facts of what happened.

5. Seek Prompt Medical Attention
Injuries can be masked by adrenaline, especially after a traumatic crash in a high-stress environment. Visit a doctor even if you think you’re unhurt. Some conditions, like concussions or internal injuries, may not show symptoms right away.

6. Don’t Discuss Fault at the Scene
Stay calm and limit discussions with other drivers to exchanging insurance and contact information. Avoid saying anything that could be mistaken for an admission of blame, such as “I’m sorry” or guesses about how the accident happened.

7. Keep Track of All Expenses
Save every medical bill, repair receipt, and record of related expenses. You’ll need this documentation to support any insurance claim or legal case.

Taking these steps will help ensure you’re protected—physically, legally, and financially—after an accident on the Atchafalaya Basin Bridge.

How to Obtain an Accident Report in Lafayette, LA

After a car accident, your official accident report is often a crucial piece of evidence for your claim. In Lafayette, you can request a copy of your accident report in a few different ways:

  • Through the Lafayette Police Department: For accidents investigated within city limits, reports can typically be requested in person at the Lafayette Police Department Records Division or online through their official website.

  • Louisiana State Police: If your accident occurred outside city limits or was handled by state troopers, visit the Louisiana State Police website for online requests or stop by their local Troop I office.

  • Fees and Identification: Be prepared to provide details such as the date of the crash, location, and names of those involved. There’s usually a small fee for each copy.

Having your report on hand not only helps document your side of the story but may also facilitate a smoother process for your insurance or legal matters. If you run into trouble finding or obtaining your accident report, don’t hesitate to reach out—we can point you in the right direction.

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I was referred to Attorney Shavers from a coworker. My coworker spoke so highly of how Ms.
Shavers works and because of that I decided to give her a call. So far in my case, attorney Shavers and paralegal Brooke Ducote have been great. I have kept aware of every step in my case. I’m now close to the end and I would recommend this office to others and would use them again if I ever need too.
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Morris and Dewett did a great job with my injury case, I cannot recommend them highly enough.
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Lindsey S.
Brittany Driggers is a great choice for any personal injury requirements you may have. She relieved my anxieties related to the incident and genuinely listens. Brittany kept me updated on developments in my case.
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I used morris & dewett personally for a car accident I was in and I can’t say enough good things about them! They took care of me throughout the entire process and made sure I knew every detail. Educated me when I didn’t know what something meant and guided me in the right direction. I am so glad I chose them in my time of need!
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