State laws vary but, generally speaking, most employers must provide workers' compensation coverage for their employees. An exception to this general rule in some states is that Workers' Compensation Insurance coverage is not required for household workers. Furthermore, some states do not require coverage for very small companies.

Answer: Workers Compensation refers to laws that make employers pay medical benefits, lost wages, and money for permanent impairment for job related injuries. In Kentucky, all medical expenses related to the injury are paid by the employer, with no co-payments or deductibles (KRS 342.020). While off work and recovering from an injury, employees are entitled to lost wage benefits, called Temporary Total Disability Benefits (KRS 342.720).

Workers' Compensation is insurance paid for by employers to cover on-the-job injuries. State law requires employer to have such insurance or make other arrangements to pay for on-the-job injuries. Workers' suffering from work related injuries or diseases are entitled to wage-loss and medical expense benefits arising as a result of the injury or disease.

Answer: In Kentucky, you may not be covered by workers compensation if you work in a strictly agricultural job (KRS 342.630), are a true independent contractor, are a domestic servant, work for less than 20 days at another's home, and some jobs working for a charity. Also, you can waive your right to Workers Compensation benefits by "willingly" signing the appropriate forms (KRS 342.395).

Workers' compensation pays for a portion of lost wages and medical care provided to employees who are injured on the job. Workers' compensation also compensates employees who suffer permanent disability or disfigurement. It is a no-fault approach which limits the employer's liability to those benefits provided by the Workers' Compensation Act. It is an inclusive remedy for on-the-job injuries.

Employers in Texas have always had the choice of “opting out” of workers comp. In fact, an employer can reject workers' compensation completely and “go bare,” paying no benefits whatsoever to injured employees. However, we do not recommend this path, and believe that non-subscription should be a responsible alternative, in which employers are encouraged to manage their costs and provide a safer workplace.

Workers' Compensation Insurance is paid entirely by the employer. No payroll deductions are taken out of individual employees' paychecks.

Yes. Workers compensation insurance is required and is available to protect employees from lawsuits resulting from workplace accidents, and to provide medical care and compensation for lost income to employees injured in work-related accidents.

Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken. To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance.

Many states recognize the PEO as the employer of worksite employees for purposes of providing workers' compensation coverage. In New York, PEOs can be listed as Labor Contractors for each client worksite. With the PEO as the policyholder, each client's experience is tracked individually, thereby protecting the integrity of the experience rating system.

Workers compensation insurance provides for the well being of your employee's and promotes a positive work environment. Be aware that some states have passed laws that makes Workers Compensation mandatory once a business expands to four or more employees on payroll. Workers compensation insurance was created in order to pay employees. medical expenses and loss of wages in the event of a job related injury or sickness.

Answer: For a traumatic injuries, a completed Form 101, Application for Resolution of Injury Claim, is filed with the Office of Workers Claims in Frankfort, Kentucky. Other forms are required for occupational diseases and other injuries.

No. In industries in which the compulsory coverage applies, neither employers nor workers may opt out.