Answer: Almost all employees in Kentucky are covered by Workers Compensation Law. Even if there is only one employee in the company, and even if the employee is injured the first day on the job. Part-time employees, government employees (including police and firefighters), seasonal and temporary employees, minors, and workers who are on "probation" before being formally hired are normally covered (KRS 342.640).

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.

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.

The Federal Medicare program has provided chiropractic benefits since 1972. The Medicare chiropractic benefit allows for 12 visits annually and covers manipulation of the spine by a chiropractor. More than 80 percent of American workers in conventional insurance plans, preferred provider organizations, and point-of-service plans now have health insurance that covers at least part of the cost of chiropractic care . Overall, 75 percent of workers receive chiropractic coverage under their plan.

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.

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.

Determining whether or not you are covered by workers' compensation can sometimes be quite complicated. Generally, however, there are two main factors that determine your status: first, whether you are an employee, and second, whether your injury occurred as a result of your employment. It should be noted that neither of these factors is an absolute guarantee that you will be covered by workers' compensation.

Answer: Employers must pay an injured employee's medical expenses reasonably related to the "cure and relief" of the injury (KRS 342.020). Medical expenses include doctors charges, prescription expenses, hospital bills, nursing treatment, charges for tests (such as x-rays and MRI's), braces, travel expenses and many other items. In Kentucky, medical expenses can be payable for life.

Yes. Sole proprietors and partners are considered owners of the business and are not automatically included under workers' compensation insurance. They may elect to be covered if they are active in the business and have duly informed their insurance carrier. When a sole proprietorship or partnership incorporates, all employees are automatically covered, including the owners if they are also employees of the corporation. Yes.