In Kentucky, workers’ compensation covers the cost of all medical care necessary to treat your work-related injury or illness. However, you must follow certain procedures to ensure you receive your benefits.
Medical Benefits
Workers’ Comp Medical Benefits in Kentucky
When you have been injured in a workplace accident or suffered a job-related illness, you are entitled to medical benefits under Kentucky’s workers’ compensation law. In Kentucky, workers’ compensation covers the cost of all medical care reasonable and necessary to treat your work-related injury or illness. However, navigating your treatment while suffering from painful injuries and also trying to put together a viable claim can be exhausting.
At Kentucky Injury Law Center, we strive to make the workers’ compensation process easy. Our attorneys lay out everything you need to know in simple terms because we understand that not everyone has experience with complex legal jargon and procedures. Nor should they in order to be able to receive the benefits they deserve.
To learn more, contact us to schedule your free consultation.
Medical Benefits Available in Kentucky
In Kentucky, workers’ compensation covers the cost of all medical care necessary to treat your work-related injury or illness. However, you must follow certain procedures to ensure you receive your benefits.
Once your condition has been established, the insurance must pay your medical costs, surgical fees, nursing care expense, medications, physical rehabilitation, psychological rehabilitation, and any other costs deemed reasonable and necessary for your recovery. These other costs can include prescriptions and mileage to medical appointments.
You won’t be responsible for paying medical bills yourself—all bills for service will go directly to the insurance carrier. Your only responsibility is to follow your doctor’s orders, which is imperative not only for your recovery but for continuing to receive benefits as well.
Denied Medical Treatment
Once the claim is deemed compensable, the insurance should pay for the treatment recommended by your treating physician. In many claims, this is not the case as the insurance company tries to avoid paying for medical treatment that they believe is not necessary.
The insurance companies will use the process known as Utilization Review, where they pay a third-party physician to review if the recommended treatment is necessary and reasonable. These third-party physicians only review your medical records and never actually examine you. Often, they are located outside the state of Kentucky and are used exclusively by insurance companies.
Fortunately, a denial by utilization review can be overcome. Our attorneys
can work hand in hand with your treating physician to appeal the denial.
In some cases, we can send you to an independent doctor who will physically
examine you and is located in Kentucky or near the border in surrounding states.
Contact us today at (270) 423-0023 or write to us online.
Case Results
Your Success Is Our Success-
Accident in Company Truck Settlement $150,000
J.W. had worked as a truck driver for over 10 years when he was involved in an accident while driving. J.W. thought he would be ok and did not seek immediate attention; however, that turned out not to be the case. He sought medical treatment and even though the insurance carrier paid for some of the medical treatment, it quickly paid its own doctor to state all of J.W.’s symptoms were not related to the accident.
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Injured Delivery Person
It started with a call –someone had slammed into the back of our client’s car while the client was on the job. The other driver had tried to pass our client over a solid yellow line because he didn’t see that she was turning. Our client had neck surgery and didn’t know what to do.
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Settlement for Hydraulic Equipment Injury $150,000
K.G. injured his neck while working on hydraulic equipment. Initially, the insurance carrier argued that his neck condition was a degenerative condition and that it was not responsible for paying for any medical treatment.
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Settlement for Utility Lineman Falling on the Job $100,000
N.W. suffered serious injuries after falling from 20 feet working as a utility lineman. The insurance company paid for N.W.’s medical bills and paid him TTD income benefits when N.W. was released from work, the insurance carrier sent him a settlement offer for $20,000.00 to settle his work compensation claim.
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Severed Thumb on the Job Settlement $70,000
Like many injured workers, J.H. thought his employer would take care of him after injury severing part of his thumb while helping the employer is a secondary business. The employer tried to claim that J.H. was not an employee of the secondary business and the insurance company denied giving J.H. any income or medical benefits.
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Shoulder Injury Settlement $150,000
A.M. was an employee of a government agency in Louisville. He injured his shoulder at work and was not sure what the next steps were to take as he did not think he could return to his old job.
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Workers' Compensation for a Police Officer $150,000
Our client was a 30 year veteran for law enforcement officer whose career ended after a tragic shooting. The officer had worked his way up the chain of command, starting as a patrol officer and ending as a Lieutenant.
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Workers' Compensation for Traumatic Brain Injury $350,000
J.P. had been a hard worker all his life. He had worked at his employer for over 26 years, rarely missing a day. However, it only took one day for his life to change when a compressed coil spring got loose and struck him in the head, causing to fall and injure his back as well. J.P. suffered both a traumatic brain injury and traumatic back injury requiring several surgeries.
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Workers' Compensation Settlement $130,000
J.D. approached Kentucky Injury Law Center after the insurance denied his claim. JD had previously undergone back surgery but had fully recovered from that surgery when he injured his back while working for his new employer.
