Kentucky Workers Comp: An Overview of Things You Should Know

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Worker’s compensation was designed to provide medical benefits and wage replacement for those injured while employed. It is also designed to protect workers from diseases developed or contracted due to workplace exposure.

Every employer is responsible for providing worker’s compensation insurance, or to become self-insured. Certain employees, however, are exempt from this coverage, including: agricultural employees/employers, domestic workers, some religious organizations, and those who voluntarily reject the coverage.

While every employer is responsible for providing coverage, there are certain limitations and rights specific to each state.

Worker’s Comp Coverage in Kentucky

In Kentucky, worker’s compensation is understood as the “exclusive remedy,” which means that the protection received for any sustained injuries forces employees to surrender their right to sue. Employers cannot be penalized by employees in a civil court case. Benefits received can include:

Partial wage replacement Medical treatment coverage, and Payment for restoring an injured worker to sufficient employment.

In the case of a death-related injury, employers pay a lump sum towards the employee’s estate allowing burial expenses to be paid. This payment amount changes annually, however income benefits are given to the spouse, as well as other surviving dependents.

Because Worker’s Compensation can be a disagreeable subject,...

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Alyssa Cole is a New York Times and USA Today Bestselling author of romance and thrillers. Her debut thriller When No One Is Watching was the winner of the 2021 Edgar Allen Poe Award for Best Paperback Original and the Strand Critics Award for Best Debut

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