Wage Payments

Kentucky

If your injury prevents you from working, you may qualify for lost-wage compensation. The amount of money you receive is usually based on the severity of your injury.

Lost-wage compensation is subject to a seven-day waiting period. This means that for the first seven calendar days of your claim, you will not be paid immediately. If you are out of work for more than two weeks, you will then be paid for the seven-day waiting period.

Wage benefits are paid every other week, as long as you have provided a work status slip to your adjustor and employer after each physician appointment. It is your responsibility to provide this form to ensure that your check will be mailed.

Keep in mind that there is a maximum weekly benefit mandated by the state. This number depends on your date of accident and changes periodically, so check with your adjustor.

Below are the most common types of wage benefits. If your claim is classified in one of the categories below, your benefits will be paid as described. Because each workplace injury is unique, there may be situations that do not fall neatly into one of these categories. Depending on your situation, your claim may provide you with different benefits.

Temporary Disability

If your doctor determines you are unable to work, you are eligible to receive temporary disability benefits until you return to work or reach maximum medical improvement (MMI). MMI means that you are in the best physical state that you can reasonably be expected to reach, given your medical condition.
During the time you are unable to work, you will receive 66⅔ percent of your average weekly wage (AWW). To calculate your AWW, we will request wage information from your employer for the 52 weeks prior to your injury. The 13-week period in which you received the highest wages will be selected, and your AWW will be calculated using this time frame.

Permanent Disability

If your accident leaves you permanently disabled, your doctor will determine the extent of your disability and assign you a permanent impairment rating (according to the American Medical Association “Guides to Evaluation of Permanent Impairment”). Your benefits will be calculated using this rating.

Death Benefits

If a worker dies as a result of a work-related accident, dependents may receive weekly workers’ comp benefits. If the death occurs within four years of the injury, a lump-sum payment of $50,000 may be paid to the estate of the deceased. Funeral expenses will be paid from this amount.

In addition, a surviving spouse may receive between 40 and 50 percent of the deceased employee’s AWW. Dependent children may receive an additional 15 percent. The deceased worker’s parents, siblings, grandparents and grandchildren may also be entitled to benefits if they are dependent on the deceased. These benefits usually cease when dependents marry, reach age 18 or otherwise become able to care for themselves. All payments are subject to a state-mandated maximum benefit, which changes periodically.

Summit claims adjustors specially trained in these types of claims will work with the employer to determine what benefits are due.

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