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Why you should work to understand workers' compensation

As a Kentucky worker, you would be prudent to know your rights regarding compensation in the event that you suffer an injury in a workplace accident. Injured workers have the right to compensation through their employer's workers' compensation insurance, yet unfortunately, these benefits are not always easy to get.

It is useful to be cognizant of your rights, even if you do not need to file a claim at this time. When you know your rights, you can better protect them. This will also prepare you in case you ever find yourself hurt because of an occupational illness, repetitive stress injury or injury that happened in a workplace accident.

What is workers' compensation?

The intent of workers' compensation is to provide financial support for individuals who suffer injuries at work or become ill due to their work. Workers' compensation covers most work-related injuries, but before you initiate the claims process, you would be wise to find out if you are eligible. This type of financial support covers various needs that an injured or sick worker might have, including the following:

  • Needs associated with vocational retraining, if necessary
  • Medical care and rehabilitation needs
  • Replacement of lost wages up to a certain amount
  • Appropriate compensation for any permanent injuries
  • Survivor benefits for family members of workers killed on the job

One thing you may need to know about workers' compensation is that if a worker applies for and claims these benefits, he or she relinquishes the right to sue the employer. If you believe you may have a valid reason to move forward with a civil claim against your employer, you would be wise to carefully consider the benefits of this over applying for workers' compensation.

While most workers can benefit from worker' compensation insurance, some of them are not eligible, such as independent contractors or the business owners themselves.

Start the process of recovery

Recovery after a work accident can be physically and financially difficult. You deserve the support necessary to get the medical care you need to get better and eventually return to work.

You may find it beneficial to seek help regarding your workers' compensation rights as soon as possible after an accident. From the claims process to any necessary appeals, you would be wise to seek a full understanding of your rights and legal options. The aftermath of a work accident is serious, but you do not have to walk through it alone.

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