Everything You Need to Know About Kentucky Workers Compensation

Posted by Bryant Law PLLC on December 28th, 2020

In most states, employers are responsible for ensuring that their workers have a safe and secure working environment, and the same holds for Kentucky. In fact, the state law in Kentucky stipulates that all businesses with one or more employees should have Kentucky workers compensation in the event of an accident.

This insurance policy makes the business responsible for covering the medical treatment and any financial loss that the worker experiences if they get injured or fall ill while on the job. It also provides assurance to employees, knowing that their employer is reliable and cares about their wellbeing and safety while they are on the job.

Exception to the Rule

While all businesses need to have workers' compensation insurance, some are exempted from this rule. Sole proprietors, partners, and LLC members do not have to have this insurance even though it can be beneficial for them. Also, the following categories do not necessarily come under the purview of workers' compensation insurance in Kentucky.

•  Domestic workers in private homes unless there are over two workers in full-time positions
•  Workers who work for charitable organizations in lieu of food or aid
•  Any employee who is covered by the liability law of the federal government

Do You Need a Workers Compensation Lawyer in Kentucky?

Sometimes, the insurer may deny your claim for workers' compensation. This can happen for several reasons, such as the insurance company believes that the injury did not occur while you were on the job, you were under the influence of alcohol or drugs when the injury occurred, you got injured during leisure or recreational event organized by the employer, or you self-inflicted the injury to get access to the compensation.

While these reasons for denial of workers' compensation are valid in some cases, they are not true for all. So, if you feel that your claim was denied and you rightfully deserve the compensation, you should not think twice about consulting a Kentucky workers compensation attorney. You can appeal the decision through your attorney, who will strive hard to ensure you are treated justly and get what you deserve. You have the option of even taking your case for review to the state, and an attorney is best placed to help you should this happen.

Remember, it is essential that you get in touch with an experienced workers compensation lawyer in Kentucky. That way, you can rest assured knowing that the attorney has the right knowledge and experience to deal with your case.