An injury at work can bring your life to a screeching halt. While you focus on recovering, it is important to seek financial support. A crucial step towards this is understanding what types of injuries workers’ compensation covers.
Work injuries that qualify
In Kentucky, workers’ compensation covers a wide range of work-related injuries, including:
- Traumatic injuries (broken bones, cuts, burns)
- Back and neck injuries (herniated discs, strains)
- Repetitive stress injuries (carpal tunnel syndrome, tendonitis)
- Hearing loss due to loud workplace noise
- Respiratory conditions caused by harmful substances
- Occupational diseases developed over time
- Mental health conditions tied to work trauma
It is crucial to note that workers’ compensation covers most injuries that happen during work activities. The key factor is that the injury must occur while performing job duties.
Kentucky specifics
Kentucky requires most employers to carry workers’ compensation insurance for employees. The state also operates on a “no-fault” basis, which means you can receive benefits even if you contributed to your accident.
Kentucky gives injured workers two years to file most claims, but you must report injuries to your employer promptly. Delaying your report can jeopardize your right to benefits.
Benefits you can receive
Workers’ compensation provides several types of assistance for injured employees. Understanding these benefits helps you recognize if you are receiving fair treatment.
Medical benefits cover all necessary treatment for your work-related injury. This includes doctor visits, hospital stays, medications and rehabilitation services.
Income benefits replace a portion of your lost wages while you recover. For permanent injuries, additional compensation exists based on disability ratings assigned by doctors.
Why legal representation matters
The process of filing a workers’ compensation claim can be overwhelming. Legal complexities can arise, especially if your claim is denied or disputed. An experienced attorney can guide you through the system and ensure you receive the benefits you deserve.