Kentucky State Workers' Comp Law
The physical and emotional pain of a work injury is only part of the battle. These incidents can also leave you without a career or a way to pay your bills. The good news is, as a worker in Kentucky, you have certain rights under the state’s workers’ compensation laws. Here’s what you should know:
What Is Workers’ Compensation?
Workers’ compensation is a type of insurance that provides partial wage replacement and other benefits to workers who have been injured or suffered an illness on the job. In Kentucky, all businesses with one or more employees are required to carry this insurance. The benefits you receive will depend on the severity of the injury and its impact on your ability to work.
What Are Disability Benefits?
Kentucky workers who suffer a work-related injury or illness may be eligible for disability benefits such as:
- Temporary Total Disability: If you’re unable to work while you recover from an injury or illness, you may be able to receive temporary total disability (TTD) benefits. These benefits amount to two-thirds of your weekly wage above a minimum and up to a maximum set by the state. As soon as you return to work or achieve maximum medical improvement (or MMI, the point at which your doctor determines your condition won’t improve any further), TTD benefits are discontinued.
- Permanent Total Disability: Once you’ve reached MMI, you’ll undergo an evaluation for permanent disabilities. If your injury or illness precludes you from working at all, you may collect permanent total disability (PTD) benefits at the same rate, minimum, and maximum as TTD benefits.
- Permanent Partial Disability: Permanent partial disability (PPD) benefits are awarded based on what percentage of body function has been lost. These benefits are available to employees whether or not they miss time from work or have a reduction in earnings. PPD rates are calculated by taking two-thirds of your average weekly wage, multiplied by your impairment rating, times a state multiplier. If your impairment rating is 50% or lower, you’ll receive 425 weeks of benefits; if it’s above 50%, you’ll receive 520 weeks.
What Else Is Covered?
In addition to disability benefits, Kentucky workers may be eligible to receive the following:
- All reasonable and necessary medical treatments
- Mileage to and from doctors’ appointments
- Death benefits for the spouse, children, and other dependents of a worker who has died
How Can a Workers’ Compensation Attorney Help?
Kentucky workers’ compensation laws may appear straightforward, but oftentimes employers and their insurance companies attempt to deny benefits. They may argue that the injury is connected to a preexisting condition or that it wasn’t work-related. No matter the case, it’s essential that you have a highly skilled attorney on your side to help you recover the benefits you are owed. Morgan & Morgan attorneys can:
- Collect medical evidence in support of your claim
- Communicate with the insurance company
- Negotiate a favorable settlement
- Appeal a claim that’s been denied
Contact a Workers’ Compensation Lawyer
It’s important that you understand how Kentucky workers’ compensation laws apply to you. Morgan & Morgan’s workplace injury attorneys can guide you through each step of the process to help you achieve the best possible outcome. Contact us today for a free case evaluation.