Workers’ compensation covers most, but not all, on-the-job injuries. The workers’ compensation system is designed to provide benefits to injured workers, regardless if the injury is caused by the employer or the employee. But there are limits. Injuries that occur due to employee intoxication or drug use are not covered by workers’ compensation. Coverage may also be denied in situations involving self-inflicted injuries, i.e.

Workers' compensation benefits generally apply to injuries that are caused by the employee's work, and also apply when a previous injury or illness is aggravated by the employee's work. Injuries which are caused by repetitive stress, such as carpal tunnel syndrome, are covered, as are strokes, heart attacks and other physical problems that are directly caused by a worker's employment.

Most are. The workers' compensation system is designed to provide benefits to injured workers, even if an injury is caused by the employer's or employee's carelessness. But there are some limits. Generally, injuries that happen because an employee is intoxicated or using illegal drugs are not covered by workers' compensation.

ANSWER: Injuries are covered only if they arise in the course and scope of your employment and in a compensable fashion. You must be injured by accident, by specific traumatic incident, or by an occupational disease process. These terms are extensively defined by workers’ compensation laws. Generally an accident means that something unusual happened, such as a trip, slip or fall, resulting in your injury. However, any unusual circumstance may constitute an "accident."

Most are. The workers’ compensation system is designed to provide benefits to injured workers no matter whether an injury is caused by the employer’s or employee’s negligence. But there are certain limitations.

Almost any type of physical injury or illness caused by your work is covered. Some injuries occur by one act, while other injuries may be from repeated daily strain on a particular body part used at work. Additionally, many injuries are caused by a continuing exposure to harmful substances or working conditions, such as chemicals, fumes, loud noises, etc.

Volunteers are covered under the workers comp policy but ONLY for medical expenses. Traditional insurance carriers would typically not cover the injuries to volunteers however the Pool has taken the position it will provide coverage to the volunteers for injuries will volunteering their time to the county. Coverage for lost time benefits (wages) are not covered and will not be considered.

The most commonly overlooked workers' compensation injury is what is called a "cumulative" injury, one that takes place over a period of time where the injured worker has been hurt in a series of micro-traumas to a particular body part. A common example of a cumulative injury is one for carpal tunnel syndrome. In carpal tunnel syndrome, an area in the wrist has become inflamed because of repetitive use of those wrists and hands.

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 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.

The most common injury people sustain in a car accident is whiplash. Brain and spinal cord injuries, which have a tremendous impact on the survivor, are most commonly the result of serious car accidents. Car accident injuries may also include bruises and abrasions, concussion, broken bones, loss of limb(s), permanent disability, or death. Stay at the scene of the accident unless medical exigencies require you to leave. Call the police to file a report. Seek prompt medical attention.

Any injury that arises out of and in the course of employment is compensable. If an injury occurs at work regardless of who is at fault, it will generally be covered unless the injured person is guilty of serious and willful misconduct. Employees who become disabled due to repetitive activities such as lifting are entitled to benefits under the law. In addition, cumulative trauma/repetitive motion injuries such as carpal tunnel syndrome and tendonitis are covered.

Most workers are eligible for workers' compensation coverage, but every state excludes some workers. Exclusions often include: business owners, independent contractors, casual workers domestic employees in private homes, farm workers ,maritime workers ,railroad employees, and unpaid volunteers. Federal government employees are also excluded from state workers' compensation coverage, but they receive workers' compensation benefits under a separate federal law.

Benefits are provided for disabilities resulting from employment related accidents and sicknesses. Loss of earning benefits can be paid for permanent total, permanent partial, temporary total, or temporary partial disability. There is a 7 day waiting period for loss of wages benefit. If the employee is out for more than 14 days, loss of wage benefit is retroactive to the first day.