Work comp kansas

Kansas workers' compensation rates staying flat in 2023. Workers' compensation insurance rates in Kansas are about 20 percent less than the national average. Kansas rates have remained consitantly lower than the national average since data started being collected. Kansas is an NCCI state like most other states.

Work comp kansas. After 4 p.m. Aug. 30-Sept. 12. $200 Early Two Day. $225 Two Day. $125 Early First Day. $150 First Day. $125 Early Second Day. $150 Second Day. The Kansas Department of Labor Workers Compensation Division Seminar is the official information resource from the Kansas Department of Labor (KDOL) Workers Compensation Division, for CLE's and other ...

California mental health benefits firm raises $187 million. Lawmakers in Kansas read through a new proposal Tuesday that would expand the definition of compensable personal injury in workers ...

Kansas rating bureau: NCCI (National Council on Compensation Insurance) Kansas Workers Compensation Insurance Plan (Assigned Risk Plan) is overseen by the Kansas Insurance Commissioner (785) 296-3071 Toll-free (800) 432-2484 ; Kansas workers' compensation state lawHighly experienced and knowledgeable Kansas City Workers Compensation Attorneys are at your services, and just one phone call away. They are all the help you need to secure your financial benefits. Call today for a chance to schedule free initial consultation, and learn what you should do next. Get The Help You Need.Kansas contains no deserts as scientifically defined as barren areas with little rainfall. Settlers called the area a desert because it initially appeared hostile to growing crops and livestock.If you have been employed in the same position for five days weekly for more than a year, then the AWW, or the average weekly wage, can be calculated using the “260 multiplier”. The way that you calculate what you are entitled to is to take your wages in total for the year before the injury, and then divide that by the number of days you ...Oct 21, 2023 · Excess Work Comp; Liquor Liability; Scrap Metal Recycling; Short Haul Commercial Trucking; Small Business Insurance Solutions; Water Well Drillers; Excess & Surplus; Programs. Appetites; ... Kansas. AmeriTrust Group, Inc. Main: (913) 339-5000 Toll Free: (800) 825-9489 Fax: (855) 603-8408. 11880 College Boulevard Suite 500 Overland …Kansas Department of Labor Division of Workers Compensation K-WC 14 (Rev. 5-21) PRACTICE AND PROCEDURE GUIDE TABLE OF CONTENTS Chapter Page 1. Filing Workers Compensation Forms and Pleadings Using the Electronic OSCAR Filing System..................................................................1 2.When it comes to mouthwatering steaks, few can compare to the succulent and flavorful cuts that originate from Kansas City. Known for their commitment to quality and tradition, Kansas City steaks have earned a reputation that extends far be...

The highest workers' comp rates by state jurisdiction are: Wyoming: $1.78. Alaska: $1.74. Hawaii: $1.69. Montana: $1.64. South Carolina: $1.55. Idaho: $1.47. The pandemic's impact on workers' compensation benefits varied across the states with changes ranging from a 5% increase to a 22% decrease.Oct 21, 2023 · Online Bill Pay. AmeriTrust’s Online Bill Pay System is for Direct Bill policyholders who would like to make their premium payments electronically through their checking or savings account, or credit card online.Kansas City's Work Comp Lawyer . Free Consultation. The Dickson Law Firm, LLC. ... We are dedicated to helping people in the Kansas City area navigate through their Missouri and Kansas Workers Compensation cases and can help you and your family get on the path to healing. Contact The Dickson Law Firm at 816-914-9478 today for a Free Consultation.Kansas. In Kansas, work comp is required for: Businesses with one or more employee. Corporate officers (may elect to be excluded). It is not required for: Sole ...Kansas Workers Compensation Attorney Near Your Location. The last thing you want or likely expect on the job is sustaining an illness or a personal injury that sidelines you from that job. Not only can that be physically and/or psychologically unpleasant, but it can also sideline you from earning the valuable income that you may be in desperate need of to make ends meet.workers compensation in kansas, kansas workers compensation settlements, kansas workman's comp laws, kansas workers compensation benefits, workman's comp rules, kansas workman's comp forms, kansas workers compensation commission, kansas division of workers compensation Remain professional research coordinator of conditions must show wickedness and site.

You have a couple options: you can use an independent insurance agent ( find an agent in your area using the tool on our SFM website) or buy it directly from an insurance carrier like us. To get your workers' comp coverage directly through SFM, request a quote online or call us at (844) 828-3801.Committed to Reducing the Cost to Our Customers. O ur case managers are committed to coordinating the entire cycle of care for injured workers, from injury through return to work while saving time and money. When you work with us, you can rest assured knowing you have an experienced team who is committed to reducing costs, moving the files ...The workers' compensation system in Kansas is governed by the Kansas Workers Compensation Act. This act outlines the rights and responsibilities of both employers and employees, ensuring a fair and efficient process for handling workplace injuries. One key aspect of the Kansas workers' comp system is the "no-fault" principle.of the Revisor of Statutes of the State of Kansas. Kansas Department of Laobr Division of Workers Compensation 401 SW Topeka Blvd., Suite 2 Topeka, KS 66603-3105 www.dol.ks.gov/WorkComp/Default [email protected] Phone Email Nationwide Toll Free ..... (800) 332-0353 Workers Compensation Calling Tree ..... You can contact the division at (785) 296-4000, (800) 332-0353 or [email protected]. The Division of Workers Compensation has a Speakers Bureau with experts who can speak on fraud and abuse, coverage and compliance, medical services and the fee schedule and general Workers Compensation issues. DIVISION OF WORKERS COMPENSATION KS DEPARTMENT OF LABOR 800 SW JACKSON ST STE 600 TOPEKA KS 66612-1227 Phone: 785-296-3441 – Fax: 785-296-0839 Web Site: www.dol.ks.gov K-WC 50 (Rev. 10-04) Election Not to Accept Coverage Under Kansas Workers Compensation Act by Employee Who Owns 10% or More of Corporate Stock of Corporate …

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Best Workers Comp Insurance In Kansas For Your Business (rates from $56/month) Written By Licensed Agent Sa El | January 13, 2023 Licensed Agent Discl osure Workers' compensation insurance is a vital part of any business. And suppose you are one of the 254,000 Kansas small business owners, entrepreneurs, freelancers, or sole proprietors.Workers Compensation FAQs. The Kansas Department of Labor Workforce Ausgleich Division is responsible for aforementioned administration about the Kansas Workers …How much is workers comp in Kansas? As of July 1, 2016, the maximum benefit is $627 per week. (The cap is updated annually in July; you can find a list of the maximums at the website of the Kansas Department of Labor.The Kansas Department of Labor Workers Compensation Division Seminar is the official information resource from the Kansas Department of Labor (KDOL) Workers Compensation Division, for CLE's and other credits for licensed or certified occupations that work with Workers Compensation claims or processes.

Sedgwick is a leading global provider of technology-enabled risk, benefits and integrated business solutions. Our nearly 30,000 colleagues are located across 80 countries, allowing us to offer services designed to keep pace with the evolving needs of our clients and consumers. Casualty.Kansas contains no deserts as scientifically defined as barren areas with little rainfall. Settlers called the area a desert because it initially appeared hostile to growing crops and livestock.the Kansas Division of Workers Compensation. ELECTION OF INDIVIDUAL TO COME UNDER ACT K-WC 113 (Rev. 3-14) KANSAS DEPARTMENT OF LABOR www.dol.ks.gov DIVISION OF WORKERS COMPENSATION 401 SW Topeka Blvd., Suite 2, Topeka, KS 66603-3105 • Phone (785) 296-4000 • Fax (785) 296-0025Workers Compensation. Loss Cost Multipliers. Workers Compensation Program. Exempt Status Affidavit. Spanish version.Workers Compensation Program. The Kansas Insurance Department administers what is referred to as the Workers Compensation Fund (previously referred to as the Second Injury Fund) through its Workers Compensation Program.Work comp small deductible plans are policies that help employers better control their insurance costs. By agreeing to a deductible, the employer retains some financial responsibility for claims but gets coverage at a discount. ... PO Box 12250, Overland Park, KS 66282-2250. Should my employee contact the claims representative after a medical ...Under Kansas workers' compensation law, the maximum time allowed for employees to file a workers’ compensation claim is 200 days from the date of the work-related accident or illness. Or, it must be made within 200 days after the employer’s last benefit payment in connection with the claim incident.Franklin, 942 P.2d 591, 596 (Kan. 1997) (challenging five amendments and the Kansas Workers Compensation Act as a whole); Nicole M. Zomberg, Workers Compensation Law: Constitutionality of the 1993 Kansas Workers Compensation Act, 37 Washburn L.J. 829, 829 (1998) (addressing the plaintiff’s challenge that the Act no longer provided a quid pro ...

KANSAS Department of Labor Division of Workers' Compensation 401 SW Topeka Blvd, Suite 2 Topeka, KS 66603-3105 (785) 296-4000. KENTUCKY Kentucky Labor Cabinet Department of Workers' Claims 500 Mero Street, 3rd Floor Frankfort, KY 40601 (502) 564-5550. LOUISIANA Louisiana Workforce Commission

Missouri Workers Compensation benefit rates for 2021: Kansas Workers Compensation benefit rates for 2021: 7/1/21 to 6/30/22: For the Temporary Total Benefit, the new rate is $1,082.22. 7/1/21 to 6/30/22: For the Temporary Total Benefit, the rate is $737.00. For the Permanent Partial Benefit, the new rate is $566.88.Oct 21, 2023 · REPORT BY PHONE: (800) 825-9489 Please have your policy number and name of insured/policyholder as named on the policy. REPORT BY E-MAIL: [email protected] REPORT BY FAX: (855) 603-8409 Email or fax your completed ACORD form.. Once a claim is reported… We will contact the insured, and/or the reporting entity or …January 29, 2013 Reprints. Employment Practices. Kansas workers compensation law allows undocumented workers to receive benefits if they were injured prior to state comp reforms enacted in 2011 ...which pertain to workers compensation. The Kansas Department of Labor, Division of Workers Compensation, publishes this information for the convenience of its customers. For the official text of Kansas statutes and regulations, please consult the Kansas Statutes Annotated and Kansas Administrative Regulations publications.If you’re ever injured at work, you may find yourself taking advantage of workman’s comp. This compensation can help pay for any medical treatment you need, and it may even help you recover some lost wages. Learn more about how workman’s co...01. Obtain the Kansas workers comp exemption form. This form can usually be found on the website of the Kansas Department of Labor or by contacting your employer. 02. Carefully read the instructions provided with the form. Make sure you understand the eligibility criteria and the information required to be filled out.If you are looking for a new or used Lexus in Kansas, there are several things you can do to find the best deals. In this article, we will discuss how to find the best deals on Kansas Lexus cars.Workers Compensation Division. [email protected]. 401 SW Topeka Blvd, Suite 2. Topeka, KS 66603-3105. (785) 296-4000. (785) 296-0025 (FAX) For specific Workers Compensation related inquiries, please visit the KDOL Contact page for more information. The Kansas Department of Labor Workers Compensation Division is responsible for the administration ...Kansas' limits on compensation both for medical bills and for wage replacement could leave you without recourse. If you were injured at work or suffer from …She was admitted to practice in the state and federal courts in Kansas in 1987. Prior to joining Sharp McQueen, P.A., she served as Assistant General Counsel for the Kansas Corporation Commission from 1987-1991. Ms. McQueen joined Sharp McQueen, P.A., in 1991. She currently serves on the Kansas Board of Examiners of Court Reporters (2013 ...

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KS DEPT OF LABOR DIVISION OF WORKERS' COMPENSATION 401 SW TOPEKA BOULEVARD, SUITE 2 TOPEKA KS 66603-3105 OR CALL: (785) 296-4000 | (800) 332-0353 ** General Information Option 2 **Coverage & Compliance Option 4 Director's Office Extension 7364 **Fraud & Abuse Investigation Option 3 **Mediation Option 2 Medical Services Option 8, then 2travelers.com. The Travelers Indemnity Company and its property casualty affiliates. One Tower Square, Hartford, CT 06183.Speak With a Kansas City, MO Workers Compensation Attorney. Whether you want to be sure you’re getting the full benefits you deserve, you have questions about your payments, or you are facing an uncooperative employer, The Law Office of James M. Hoffmann can help. To speak with a Kansas City workers compensation attorney, give us a call 24/7.Email: [email protected]. Phone: 1-866-4-USA-DOL (1-866-487-2365) or 1-800-397-6251. Regional Offices. For general questions regarding workplace concerns, please call the Department of Labor National Contact Center’s toll-free help line at 1-866-4-USA-DOL (1-866-487-2365). Live assistance is available in English and Spanish, Monday through ...Kansas workers’ compensation law requires every employer to carry workers’ compensation insurance for employees unless the employer’s gross annual payroll is $20,000 or less (excluding payments to sole proprietors or their family members). The other exception to the rule is employers in certain agricultural industries.If you are a member of a labor union, your union should be able to help you find a good attorney. You can also contact: Missouri Bar Lawyer Referral Service 573-636-3635. St. Louis Metropolitan Bar Lawyer Referral Service 314-621-6681. Springfield Metropolitan Bar …Workers Compensation Division. [email protected]. 401 SW Topeka Blvd, Suite 2. Topeka, KS 66603-3105. (785) 296-4000. (785) 296-0025 (FAX) For specific Workers Compensation related inquiries, please visit the KDOL Contact page for more information. The Kansas Department of Labor Workers Compensation Division is responsible for the administration ... But, it doesn’t have to be. Now you’re armed with all the knowledge you need. So, relax, take a deep breath, and pat yourself on the back. You’re a business owner ready to tackle whatever comes your way. October 16, 2023. Wages subject to workers comp' include salaries, hourly pay, paid time off, sick time, and more.2021 Statute. Article 5. - WORKERS COMPENSATION. 44-501. Compensation; disallowances; substance abuse testing; exceptions, pre-existing conditions; public service benefits protection act, coronary disease or cerebrovascular injury benefits for firefighters and law enforcement officers; liability limited for construction design professional ...Find more questions and answers on our Workers’ Comp 101 page, or contact us! Get a quote. Use our Kansas workers compensation guide to learn how Kansas law may …Kansas employers with annual payrolls more than $20,000 must have workers comp insurance unless exempt. Owner-operators must elect between worker’s comp … ….

Highly experienced and knowledgeable Kansas City Workers Compensation Attorneys are at your services, and just one phone call away. They are all the help you need to secure your financial benefits. Call today for a chance to schedule free initial consultation, and learn what you should do next. Get The Help You Need.The workers' compensation system in Kansas is governed by the Kansas Workers Compensation Act. This act outlines the rights and responsibilities of both employers and employees, ensuring a fair and efficient process for handling workplace injuries. One key aspect of the Kansas workers' comp system is the "no-fault" principle.2014 Statute. Article 5. - WORKERS COMPENSATION. 44-501. Compensation; disallowances; substance abuse testing; exceptions, pre-existing conditions; public service benefits protection act, coronary disease or cerebrovascular injury benefits for firefighters and law enforcement officers; liability limited for construction design professional ... If you have been employed in the same position for five days weekly for more than a year, then the AWW, or the average weekly wage, can be calculated using the “260 multiplier”. The way that you calculate what you are entitled to is to take your wages in total for the year before the injury, and then divide that by the number of days you ...Kansas workers' compensation rates staying flat in 2023. Workers' compensation insurance rates in Kansas are about 20 percent less than the national average. Kansas rates have remained consitantly lower than the national average since data started being collected. Kansas is an NCCI state like most other states.We analyzed cost, customer service ratings and financial stability to determine Kansas’ best workers’ compensation insurance providers. Based on these factors, we found that The Hartford offers the best coverage.. Business owners benefit from this coverage to protect their businesses and employees in case of work-related illnesses and injuries.Jun 26, 2023 · Assigned Risk: Kansas Workers Compensation Insurance Plan (Assigned Risk Plan) The Kansas Insurance Commissioner oversees this plan. Assigned Risk Contact Information: The Kansas Insurance Commissioner at: Kansas Insurance Department. 420 SW 9th Street. Topeka, Kansas 66612-1678. Phone: 1-800-432-2484 or 785-296-3071. Numerical Exceptions: None. The Kansas Department of Labor Workers Compensation Division is responsible for the administration of the Kansas Workers Compensation laws and rules. Our goal is to ensure employees injured at work, employers, health care providers and insurance carriers receive timely, impartial and fair claim resolution. Services Injuries at Work Work comp kansas, As of July 1, 2022, the Kansas statewide average weekly wage is considered to be $1,019.85. Therefore, the maximum weekly benefit you could be entitled to is $765 (75% of the state average weekly wage). These amounts, and those mentioned below, are in effect until June 30, 2023. So, if you earned an average of $900 a week in the 26 weeks before ..., 11921 Workers Compensation Laws Regulations GENERAL INFORMATION This book contains a compilation of those sections and provisions of the Kansas Statutes …, Jan 31, 2019 · Franklin, 942 P.2d 591, 596 (Kan. 1997) (challenging five amendments and the Kansas Workers Compensation Act as a whole); Nicole M. Zomberg, Workers Compensation Law: Constitutionality of the 1993 Kansas Workers Compensation Act, 37 Washburn L.J. 829, 829 (1998) (addressing the plaintiff’s challenge that the Act no longer provided a quid pro ... , Kansas Department of Labor’s Division of Workers Compensation | Kansas State Self Insurance Fund. Medical care, prompt disability & death benefits, return to work options & customer service to state employees …, Phone Directory. Kansas rating bureau: NCCI (National Council on Compensation Insurance) Kansas Workers Compensation Insurance Plan (Assigned Risk Plan) is overseen by the Kansas Insurance Commissioner. (785) 296-3071. Toll-free (800) 432-2484. Kansas workers' compensation state law. , Jan 9, 2023 · 44-559a - Workers compensation insurance; deductibles option; occurrence deductible defined; payment of deductible amount by insurer, reimbursement; premium credits; Kansas workers compensation insurance plan not to require deductibles option; group-fund pools may offer deductibles option. 44-561 - Reserves. , As the world becomes increasingly conscious of the impact of climate change, more and more companies are turning to electric comp as a solution. Electric comp refers to electronic components and systems that are designed to run on electrici..., Kansas workers’ compensation law requires every employer to carry workers’ compensation insurance for employees unless the employer’s gross annual payroll is $20,000 or less (excluding payments to sole proprietors or their family members). The other exception to the rule is employers in certain agricultural industries. , Best Workers Comp Insurance In Kansas For Your Business (rates from $56/month) Written By Licensed Agent Sa El | January 13, 2023 Licensed Agent Discl osure Workers' compensation insurance is a vital part of any business. And suppose you are one of the 254,000 Kansas small business owners, entrepreneurs, freelancers, or sole proprietors., Jan 31, 2022 · The CDR is used in 46% of 2-level fusion surgeries and is believed to be an efficient and cost-effective surgery for cervical injuries. In an accident when a person needs a 2-level cervical fusion surgery settlements run as high as $3-$4 million dollars because the surgery is so intrusive and causes such long-term damage., Do all employers in Kansas have to have workers’ comp coverage? In the state of Kansas, almost all employers (with limited exceptions) must provide workers …, Find more questions and answers on our Workers’ Comp 101 page, or contact us! Get a quote. Use our Kansas workers compensation guide to learn how Kansas law may …, For assistance or more information, or to report suspected fraud, contact the Workers Compensation Ombudsman or the Fraud and Abuse office at (800) 332-0353 or (785) 296-4000. Employer Responsibilities Workers Compensation Insurance Most employers are required by law to provide for the payment of workers compensation claims, at no expense, The U.S. Department of Labor's Office of Workers' Compensation Programs (OWCP) administers four major disability compensation programs which provides to federal workers (or their dependents) and other specific groups who are injured at work or acquire an occupational disease – providing the injured: Wage replacement benefits Medical …, Filing a Workers Compensation Claim – Kansas This page provides answers to the following questions: 1. I had an accident at work. How do I file a workers compensation claim in my state? To best ensure success in filing a workers’ compensation claim, you must provide notice of your accident to your employer as soon … Filing a Workers Compensation Claim – Kansas …, Gallagher Bassett (GB) is the premier global provider of risk and claims management. From improving workers’ compensation claims services to streamlining claims management, from injury prevention to workplace health and safety programs, our customized workers’ compensation claims solutions are designed to protect your organization and your ..., Kansas law states that every employer, with a few exceptions, needs to carry workers comp coverage. Some exceptions include: 1 Employers in certain types of agricultural work Employers with a gross payroll of $20,000 or less per year, Charles Hess. Wichita, KS Workers' Compensation Lawyer with 37 years of experience. (316) 685-2245 1861 N. Rock Road. Suite 320. Wichita, KS 67206. Workers' Comp, Insurance Claims, Medical Malpractice and Personal Injury. View Website View Lawyer Profile. Randy Stalcup. Wichita, KS Workers' Compensation Attorney., Equals Total PPD due to claimant. 10. Plus Total TTD due to claimant. [line 2] 11. Equals TOTAL AWARD. [can't exceed max] View Summary. The Workers Compensation Scheduled Injury Calculator calculates the amount of compensation due by inputting the AWW, weeks on the schedule for the appropriate injury, weeks of TT paid and impairment rating., If you work for an agency that reports an injury, illness or near miss using the Workday system, logon to Workday. Select Report a Safety Incident within the Workday Safety application. If your agency has not established an injury, illness or near miss reporting process or you are unaware of the process, please click on this hyperlink. Select ..., Workers' Comp Exemptions in Kansas. Sole-Proprietors, Partners and LLC members who include themselves on workers’ compensation coverage must use a payroll amount of $46,200 for rating their overall workers’ compensation cost. Corporate Officers who are included in coverage must utilize a minimum payroll of $900 per week ($46,800 Annual) and ..., Kansas 1/1/2021 Flat: $47,600 Kentucky 1/1/2021 ... Refer to state Workers Compensation laws and administrative regulations for complete details on statutory ..., Pam was born and raised in Kansas City, MO where she graduated from the University of Missouri-Kansas with a Bachelors in Business Administration. Contact., the Kansas Division of Workers Compensation. ELECTION OF INDIVIDUAL TO COME UNDER ACT K-WC 113 (Rev. 3-14) KANSAS DEPARTMENT OF LABOR www.dol.ks.gov DIVISION OF WORKERS COMPENSATION 401 SW Topeka Blvd., Suite 2, Topeka, KS 66603-3105 • Phone (785) 296-4000 • Fax (785) 296-0025, Tim McDuffey is the principle attorney of the McDuffey Law Firm, LLC and the Work Comp Center. Tim grew up at the Lake of the Ozarks, graduating from Camdenton High School. ... Amber is a graduate of the University of Missouri - Kansas City School of Law where she graduated six months early at the top of her class with a Family Law emphasis., Workers Comp Requirements Workers compensation coverage limits and basic protections are standardized across the country, but Workers Comp requirements are regulated at the state level. ... In other words, a corporation with 1 owner must carry workers comp. Kansas also counts employees of your subcontractors- which basically means that if you ..., The maximum burial allowance in Florida is $7,500. In addition, Florida spouses can be paid up to 50 percent of the deceased worker’s average weekly wage (AAW), with children receiving 16 ⅔ percent of AWW. The maximum benefit limit is $939 per week as of January 1, 2019. The minimum benefit limit is $20 per week., The U.S. Department of Labor's Office of Workers' Compensation Programs (OWCP) administers four major disability compensation programs which provides to federal workers (or their dependents) and other specific groups who are injured at work or acquire an occupational disease – providing the injured: Wage replacement benefits. Medical treatment. , Kansas' State Workers' Compensation Benefits. Benefits in Kansas are determined by the employer, independent insurance agent, and carrier offerings. State minimum limits for workers' compensation are pretty universal. Workers' compensation state minimum limits: $100,000 per occurrence for bodily injury: This coverage is for any one employee., Emporia, KS Workers' Compensation Lawyer. (620) 342-9249 2033 Fanestil Dr. Emporia, KS 66801. Workers' Comp, Bankruptcy, Divorce and Family. View Lawyer Profile. Gary Laughlin. Topeka, KS Workers' Compensation Attorney with 52 years of experience. (785) 222-4066 3649 SW Burlingame Rd. Suite 200., Sedgwick is a leading global provider of technology-enabled risk, benefits and integrated business solutions. Our nearly 30,000 colleagues are located across 80 countries, allowing us to offer services designed to keep pace with the evolving needs of our clients and consumers. Casualty., Kansas: 2018 Practice Guide: In Kansas, psychological injuries must be associated with a physical injury. In other words, you can claim injuries like stress, anxiety, and/or depression from a physical injury or a physical change caused by factors at work. Depression, stress, and anxiety alone are not covered by workers’ compensation. Kentucky, Kansas: 2018 Practice Guide: In Kansas, psychological injuries must be associated with a physical injury. In other words, you can claim injuries like stress, anxiety, and/or depression from a physical injury or a physical change caused by factors at work. Depression, stress, and anxiety alone are not covered by workers’ compensation. Kentucky