Free Kentucky Workers' Compensation FAQs | Free Kentucky Workers' Compensation Legal Documents

How Do I Know If My Employer Is Covered By Workers' Compensation?

Tue, 29 May 2007 21:19:00 GMT

Most Kentucky employers are subject to the Workers Compensation Act and must carry workers compensation insurance or become selfinsured, even if they have only one parttime employee. Some employees are exempt from mandatory workers compensation coverage. Farm workers, persons employed as domestic servants in the home of an employer who has less than two fulltime employees, persons employed by homeowners for residential maintenance and repair for up to twenty (20) consecutive work days, Business partners who are owners of a business are not required to obtain coverage on themselves. However, partners must file a copy of the partnership agreement with the DWC.

How Long After An Injury Do I Have To Report It To My Employer?

Mon, 04 Jun 2007 21:51:22 GMT

The employee should report the injury in writing to the employer immediately, but no later than thirty days after the injury.

If I Am Injured On The Job Can I Choose The Doctor Who Treats Me?

Tue, 29 May 2007 21:19:00 GMT

The employee has the right to select a physician to treat a work related injury or illness without interference by the employer; Change treating physicians one time, no questions asked; Additional changes require permission from the employer or its insurance carrier.

If I Am Unable To Return To The Type Of Work I Did Before I Was Injured, What Happens?

Mon, 04 Jun 2007 21:51:22 GMT

If your employer has employment available to you within your medical restrictions and you decline, your employer may request a modification or termination of your benefits. If you do return to work and wages are less than what you earned before the injury, you may be entitled to partial disability. Wage benefits usually will equal approximately 2/3 of the difference between your current earnings and what you earned before your injury, not exceeding the maximum compensation rate for the year you were injured.

My Employer Has Denied My Claim, What Do I Do?

Tue, 29 May 2007 21:19:00 GMT

Before filing a claim, the parties to a workers compensation dispute should try to resolve the conflict. DWC encourages conflict resolution through voluntary mediation.

Lines of communication among the employee, employer, and insurance carrier should remain open at all times before and after an injury. This will facilitate the resolution of any claim disagreements and will help assure prompt return to work.

Ombudsman and Workers Compensation Specialists assist citizens in workers compensation matters by answering questions and attempting to resolve conflicts. Although most requests for assistance are made by workers, DWC specialist and ombudsman services are equally available to employers, medical providers, and insurance carriers. The Division can be contacted at the following address and number.

1270 Louisville Rd.,
Perimeter Park West, Building C,
Frankfort, KY 40601
Phone 18005548601

What Workers' Compensation Benefits Am I Entitled To?

Tue, 29 May 2007 21:19:00 GMT

You may be entitled to receive all reasonable and necessary medical treatment, benefits for lost wages, benefits for specific injuries resulting in permanent disabilities such as loss of use and/or disfigurement (scars). You may also qualify to participate in certain physical and vocational rehabilitation programs. If the injury causes the death of an injured worker, burial expenses are covered and the dependents of the deceased worker are entitled to certain benefits.

When Will My Benefits Begin And How Much Will They Be?

Tue, 29 May 2007 21:19:00 GMT

Temporary total disability (TTD) benefits are paid during the period in which the worker is recovering from an injury or disease and is unable to return to work. TTD is not payable unless the employee is unable to work for more than seven (7) days. If an employee`s disability continues for more than seven (7) days due to a workrelated injury, the employee is entitled to benefits for each additional day thereafter he or she is unable to work. If the employee exceeds two (2) weeks off, he or she is entitled to the payment of benefits for the first seven (7) days as well. Weekly benefits for total disability are twothirds (2/3) of the AWW up to the maximum state average weekly wage (SAWW). The maximum benefit for permanent partial disability is 75% of the SAWW.

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