kentucky insurance

kentucky insurance

Kentucky Workers Comp: An Overview of Things You Should Know

Posted on July 12, 2018 in Uncategorized

Worker’s compensation was designed to provide medical benefits and wage replacement for those injured while employed. It is also designed to protect workers from diseases developed or contracted due to workplace exposure.

Every employer is responsible for providing worker’s compensation insurance, or to become self-insured. Certain employees, however, are exempt from this coverage, including: agricultural employees/employers, domestic workers, some religious organizations, and those who voluntarily reject the coverage.

While every employer is responsible for providing coverage, there are certain limitations and rights specific to each state.

Worker’s Comp Coverage in Kentucky

In Kentucky, worker’s compensation is understood as the “exclusive remedy,” which means that the protection received for any sustained injuries forces employees to surrender their right to sue. Employers cannot be penalized by employees in a civil court case. Benefits received can include:

  • Partial wage replacement
  • Medical treatment coverage, and
  • Payment for restoring an injured worker to sufficient employment.

In the case of a death-related injury, employers pay a lump sum towards the employee’s estate allowing burial expenses to be paid. This payment amount changes annually, however income benefits are given to the spouse, as well as other surviving dependents.

Because Worker’s Compensation can be a disagreeable subject, many disputes are resolved during a compromise settlement involving both parties. If a solution is not determined, parties will have to litigate the claim through a process beginning with an application of claim adjustment, filed under the Department of Worker’s Claims. Once this paperwork is complete, an Administrative Law Judge (ALJ), is assigned to the case to facilitate a benefit review conference.

During the benefit review conference, both parties have the opportunity to discuss the positives and negatives of the case, while working towards a settlement. If the claim does not reach a settlement, a formal hearing will be scheduled within 30 days by the Administrative Law Judge.

After the hearing, a decision must be released within 60 days, either awarding or denying medical benefits or income assistance. The solution may include rehabilitation benefits, if necessary. Through this process, the outcome is determined with the help of witnesses and medical professionals.

As a result, the Administrative Law Judge (ALJ) is unable to require the employer to pay for income benefits in a lump sum. If any party disagrees with the decision, he or she may file an appeal. This goes through the ALJ once again, and if it is appealed further, it may go to the Kentucky Court of Appeals, and finally to the Supreme Court.

In Kentucky, worker’s compensation insurance coverage is issued to every employee in order to remain on the job, and to assist with any work-related medical expenses. For business owners interested in purchasing workers comp insurance, certain agents specialize in offering this product.

Similarly, if you are in need of legal assistance in this area, certain attorneys concentrate on workers compensation litigation. When it comes to workers comp, it is important to understand your rights and responsibilities. Keep in mind that these vary considerably, state by state.

How to Compare Low Cost Car Insurance In Kentucky

Posted on July 6, 2018 in Uncategorized

Anytime you get in your car and head out on the road you need to ensure that you have adequate car insurance in place. In Kentucky there were over 730 traffic accidents last year that involved fatalities. If you are at fault in one of these types of collision, you’ll need an insurance policy that will provide enough coverage to protect your assets and to help the family of the person lost in the accident.

The best method of finding low cost car insurance in Kentucky is to compare policies. Many people make the mistake of purchasing a policy from the first company they contact. Although this may be the best deal, you won’t be able to be certain unless you research prices from several different insurers. Gathering quotes should always be viewed as an essential part of the process of getting low cost car insurance.

Also be sure to ask for the same level of coverage with each company you contact for a quote. For instance, if you are interested in a policy that provides towing coverage, ask for this. However, if you are already a member of an automobile club, there’s a very good chance that you have towing coverage through them. It’s a worthwhile idea to check into that before purchasing a policy that provides it. You don’t want to double up on any coverage as this will only result in you spending more money than you need to.

Consider taking out an umbrella policy if you already have homeowner’s insurance. Many insurance companies in Kentucky will offer an umbrella policy that provides protection for both your car and your home. This is often the best method of obtaining low cost insurance. Check with your current home insurance company to get a price, and also ask for quotes from a few of their competitors just to guarantee that you can’t find a better deal elsewhere.


Affordable Health Insurance in Kentucky – Low Cost Plans Online

Posted on June 28, 2018 in Uncategorized

Low cost, high deductible insurance health plans are something you should learn more about before buying a new health insurance plan. At first, a high deductible insurance plan may seem a bit confusing. However, there are many benefits associated with this relatively new insurance plan.

Kentucky Low Premium Health Insurance Plans

Because of the rising popularity of (HSA) Health Savings Accounts, insurance companies have developed new insurance plans to work smoothly with an HSA. HSAs provide a tax-exempt way for you to save money for your health insurance plan deductible if and when you need it.

The new high deductible insurance plans have deductibles ranging from $1000 to $5000. After the deductible is met, the plan begins to pay 80 to 100% of medical costs. So, if you stay healthy for a number of years, this savings account could grow to well over the deductible amount of your insurance plan.

And, if you do need major medical attention, the most it will cost you is the amount of the deductible you have chosen. Because your monthly premium will be substantially lower than with other types of insurance, part of this savings can be automatically deposited into your HSA for future use, and the other part deposited into your pocket as savings.

Getting Health Insurance Quotes in Kentucky

One of the best ways to learn more about Kentucky health insurance is to go to an insurance quote website and request quotes. Immediately after you complete their short form, you’ll get several low cost HSA, HMO, PPO, and POS quotes while still online. After you have your quotes, you can compare plans and visit their websites for more detailed information.