What Benefits Can You Receive?
If your workers’ comp claim is approved, you may be entitled to several types of benefits, including:
Medical Benefits
Workers’ compensation should cover all necessary medical treatment related to your injury, including:
- Emergency care
- Doctor’s visits
- Prescription medications
- Physical therapy
- Surgeries
- Medical equipment
Unlike some states, Kentucky allows you to choose your own doctor. That means you are not forced to see a provider picked by your employer or their insurance company.
Wage Replacement Benefits
If you cannot work due to your injury, workers’ compensation provides temporary total disability (TTD) benefits. This will pay two-thirds of your average weekly wage up to a state-set limit.
These payments continue until:
- Your doctor clears you to return to work
- You reach maximum medical improvement (MMI)
If you return to work in a limited capacity and earn less than before, you may qualify for temporary partial disability (TPD) benefits to help cover the gap.
Permanent Disability Benefits
If your injury leaves you with a lasting impairment, you may qualify for:
- Permanent partial disability (PPD) if you can still work but have permanent limitations
- Permanent total disability (PTD) if you cannot return to any type of employment
The amount of compensation is based on your disability rating. That will need to be assigned by a doctor.
Vocational Rehabilitation
If your injury prevents you from returning to your previous job, workers’ compensation may cover training for a new career.
Death Benefits
If a worker dies due to a job-related injury or illness, surviving family members, such as a spouse or children, may receive death benefits, including compensation for funeral expenses and ongoing financial support.