A workplace injury can leave you worried about medical bills, missed paychecks and whether you can return to your job. Kentucky workers’ compensation may cover sudden accidents. It may also cover conditions that develop over time, such as carpal tunnel syndrome. Understanding the medical and income benefits available can help you recognize when a claim decision needs closer review.
What benefits may be available?
Possible benefits depend on your condition and ability to work. They may include:
- Medical care needed to treat the work injury
- Temporary disability payments when the doctor says you cannot work
- Permanent disability benefits for a lasting injury
- Job training or other assistance if you cannot return to work that matches your experience
Temporary total disability payments generally replace about two-thirds of your average weekly wage, subject to state limits. Payments start after a seven-day waiting period. If your condition lasts more than 14 days, you may receive payment for those first seven days.
Can you choose your doctor?
You may generally choose your doctor. If the employer uses an approved managed care plan, you might need to select someone within its network. Exceptions could apply for emergency care or unavailable treatment.
Kentucky law also prohibits an employer from firing, harassing or discriminating against you for seeking lawful workers’ compensation benefits.
What should you do after an injury?
Report the accident or condition to the employer as soon as possible. For most accident claims, you generally have two years from the injury date or your last temporary total disability payment, whichever is later, to file a formal claim. Different deadlines apply to injuries that develop over time. Missing the applicable deadline could prevent the case from moving forward.
Keep copies of medical restrictions, accident reports and letters or emails about your case. If benefits are denied, you may file a claim with the Kentucky Department of Workers’ Claims.
Protect your health and financial stability
An injury can create pressure long after the initial accident, especially when treatment or payments are delayed. Paying attention to unexplained denials, missing benefits or changes in your medical care can help you spot problems early. This awareness can help protect the support you and your family rely on while you recover.
