In Kentucky, employers are required to keep a valid worker’s compensation policy. The policy is available to cover the expenses associated with a worker-related injury. It offers payment for medical treatments and monetary benefits. The monetary benefits are available to cover lost wages. A workplace injury lawyer helps workers who are denied access to these benefits.
Reviewing Deadlines for Claims
Under Kentucky laws, the worker has a period of thirty days to report a work-related injury to their employer. Once reported, the employer must send the worker to a medical facility for treatment. The doctor who provides care has a window of ten days to submit the medical report to the insurer. If the worker is denied benefits, they have a three-year window to file a legal claim.
Qualifying Injuries and Benefits
Qualifying injuries are identified as any injury sustained while performing work duties. At any time that the worker is inside the workplace, the employer must ensure their safety. Policies are set up to mitigate common risks that can lead to accidents. Any injuries that occur due OSHA violations are also considered qualifying injuries under the policy. Any accident that occurred due to a failure to comply with company policy can lead to a denial of benefits.
Reviewing the Denial
The denial of worker’s compensation benefits must present an exact reason. The claim’s adjuster must identify the exact clause in the insurance policy that led to the denial. The attorney can review the terms of the policy to determine if the worker has a legal avenue in which to acquire benefits.
Filing a Lawsuit Against the Insurer and Employer
A lawsuit is filed when the worker was denied benefits when they had a qualifying injury. The lawsuit can provide them with the replacement of lost wages. It can also help them acquire further benefits based on the severity of their injuries.
In Kentucky, employers must obtain a worker’s compensation policy if they hire more than two workers. It doesn’t matter if the workers are related to the owner or not. Federal laws require the policy. They also require the employer to follow related laws when processing claims. Workers who were denied benefits contact a workplace injury lawyer by visiting website name for more information now. You can also connect them on Facebook.
