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Workers Comp SEB Supplemental Earnings Benefit

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SEB Supplemental Earnings Benefit

One to the blog, and we do like to see comments, asked about the SEB or Supplemental Earnings Benefit, which seems to be a Louisiana term for Temporary Partial Disability (TPD) benefits.

Picture of Supplemental Earnings Benefit Hand holding Plant
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The definition for SEB is  

If you can return to work, but your medical condition prevents you from earning at least 90% of the income you were earning at the time of your accident, you should receive Supplemental Earnings Benefits (often called “SEB”). These monthly benefits should equal two-thirds of the difference between what you were earning at the time of your injury and what you are currently able to earn.

The 90% figure is very specific to Louisiana.  Most states do not cut the TPD figure at a base of 10% for earnings.   Almost all states expect the carrier or TPA to pay 2/3 of the difference even their earnings are more than 90% of pre-injury wages.  

I have paid $3 a week TPD in the past to an injured worker in New Hampshire.

The only difference I see is the 90% figure. That number varies among the states.

I have some seen some school and governmental organizations pay a supplemental benefit or have included in the employees’ benefits an insurance policy (such as AFLAC) that pays a supplemental earnings benefit.

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James Moore

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Mgmt Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications

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