The Kentucky State Workers’ Compensation Law was designed to compensate workers for injuries and Occupational diseases relating to on-the-job events. This compensation can relate to lost wages, Medical treatment, Vocational rehabilitation and Permanent or Temporary disability. According to Kentucky State law, all employers are required to participate with the exception of those who are “solely agricultural”. The entity charged with administering this program is the Kentucky Department of Workers’ Claims’. Employers are permitted to obtain this coverage from a provider authorized by the state to provide this coverage, from a large group specializing in self-insurance, or in the case of large employers provide coverage themselves. Any employer found to be without coverage is subject to civil action and can be ordered to cease operation as a business.
As for choice of physician, Kentucky State law specifies unless an employer provides a Managed care system the employee has the right to choose the source of treatment. However, even if a Managed care provider has been named, the employee has the right to choose the physician who prides Emergency care. As for Medical care payment, Kentucky law requires the employer to pay for all reasonable Medical expenses without requiring co-payment from the employee.
Kentucky recognizes three types of disability. First, there is Temporary total disability. This applies to individuals who have been injured, or are suffering from a work-related illness, and are unable to return to work until recovery is complete. Permanent total disability applies to injured workers who will not be able to return to work due to injury or illness caused by a work-related event. Permanent partial disability apples to workers who are permanently disabled but will be able to return to work. Kentucky state law provides benefits in all three cases. The law provides these benefits in the form of cash payments equal to two=thirds of the worker’s average weekly wages.
Kentucky also provides Vocational assessment and rehabilitation. According to State law, this benefit is available to injured worker for a period of one year. The state does allow the time period to be extended by the order of an Administrative Law Judge. This benefit can be extended should an agreement be reached between the employee and their amployer. Many states offer this benefit to injured workers. However, Kentucky seems to have the most complete. Vocational rehab is of great assistance to an injured worker in easing the transition from Temporary disability to returning to the workplace.