First Insurance Group
Home Page

Free Insurance Quotes Auto Insurance Home Insurance Commercial Insurance Life Insurance Health Insurance

Kentucky has strict workers’ compensation insurance requirements. If an employee gets hurt on the job, they might qualify for this supplementary income. However, not every workplace accident might qualify for a successful claim. How do employees know when to ask forimage of worker being injured more information about their workers’ comp?

Workers’ compensation is not an optional program for most Kentucky employers. Employees should make an effort to understand what can qualify as a viable claim. Injuries might arise from multiple situations, after all.

Workers’ Comp in a Nutshell

Workers’ comp serves as a form of supplementary income for those who get hurt while at work.

It evolves from the fact that work-related injuries might lead to incapacitation, missed work, lost salaries and medical bills. As a result, these damages might create a financial strain on the injured person. Because employees might get hurt in the normal course of work, many states recognize their right to help.

A workers’ comp claim obligates a business to pay for an employee’s injury losses. In most cases, the employer and employee can settle without having to face litigation. Therefore, both the business and employee can enjoy this protection. Almost all Kentucky businesses with one or more employees have to provide protection.

When Can Employees Qualify for Coverage

Nearly any workplace injury can lead to a workers’ compensation claim.

  • Injuries from continuous exposure to risks often qualify for protection. For example, years of working with chemicals might lead to injuries or illnesses.
  • If an employee gets hurt in a car accident while on business, many rules require coverage.
  • Repetitive motion injuries, like carpal tunnel syndrome, likely qualify for protection.
  • Injuries sustained in the normal course of work, like from operating equipment, likely have protection.
  • If someone gets hurt in the workplace, like from a fall in the break room, they often can file a workers’ comp claim.

However, not all workplace injuries qualify for coverage. For example, if you get hurt while out of the office on your lunch break, you might not qualify for protection. Other workers’ comp laws don’t cover car accident injuries sustained during morning or evening commutes.

Your workers’ compensation claims will likely require an investigation to determine your eligibility. Therefore, approach your claim as a unique situation. The above scenarios may or may not have coverage when it comes to your individual case. Ask your employer for more information if you feel the need to file a claim.

Also Read: Enforcing Safety Gear Requirements in Your Business

Share |


No Comments


Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive


View Mobile Version
First Insurance Group
Home | Get a Quote | About | Customer Service | Claim | Contact



First Insurance Group
Main Office 2520 South Highway 27 | Somerset, KY 42501 | Phone: (606) 679-3570
Bardstown 107 Lincoln Way | Bardstown, KY 40004 | Phone: (502) 348-5921
Frankfort 1510 Louisville Rd | Frankfort, KY 40601| Phone: (502) 223-5100
Nicholasville 508 North Main St, Suite C | Nicholasville, KY 40356 | Phone: (859) 885-9454
Richmond 312 Jason Dr Suite 3 | Richmond, KY 40475 | Phone: (859) 623-6692
Glasgow 605A Happy Valley Road | Glasgow, KY 42141 | Phone: (270) 651-5723
Danville 811 S Fourth Street | Danville, KY 40422 | Phone: (859) 236-5192

© Copyright 2017. All rights reserved. Powered by Insurance Website Builder
Get A Quote Find an Agent Locations
Facebook Twitter LinkedIn google maps for somerset