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How workers’ compensation applies to disability

When employees are injured at work and become disabled as a result, it can be devastating because it means that they probably can no longer earn an income in the way that they used to, through no fault of their own. In most cases however, injured employees are able to receive workers' compensation that can help them financially through the difficult journey that they are faced with.

The workers' compensation guidelines in Kentucky distinguish between three different types of disability, and this affects the amount of compensation that the person is entitled to. The three different types of disability are temporary total, permanent total and permanent partial.

How much compensation can a worker expect?

Compensation is calculated based on workers' weekly wages and by the extent to which they are impaired. Impairment is given a percentage rating. Usually, the last 13 weeks of a workers' pay before the injury occurred is assessed, and the highest pay that they received is taken as the amount which will be used for calculation. An average weekly wage is generated from these findings.

How does a worker qualify for permanent total disability?

Permanent total disability (PTD) is the most severe condition within the compensation guidelines. In order for people to qualify for this benefit, they must be suffering from a condition that means they are completely unable to work in any type of capacity for the foreseeable future.

There may be times when workers disagree with the type of disability category that they have placed in. When claiming workers' compensation for a disability, it is important to research the area fully so that you can receive the benefits that you deserve.

Source: Labor.ky, "Workers' Compensation Guidebook," accessed Dec. 15, 2017

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