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I'm not dealing with backgrounds just yet. Try loading your background image onto a one-sided square and place it behind your subject. I don't know what happens if there is alpha in the image file. Maybe Lux will respect it. If not, you can attach a transmap of the alpha mask to the square.

(Note: Squares can be resized (X scale, Y scale) to match the aspect ratio of the image you want to use on it, and scaled up big using the master Scale dial.)

Note also that LuxRender will never support a faked background the way Poser does. It only deals with real 3D objects in the scene.

according to what I've seen/read, if you set the alpha channel, it will respect the alpha channel, and allow you to bring it into photoshop as a transparent png where you can place a "faked background"

I'm already doing it with a square (as shown in the images I posted earlier), was just wondering if alpha channel was going to be supported yet or not.