In physically demanding jobs like construction and manufacturing, workplace accidents are an unfortunate reality. And often, it’s not just the injury itself that catches workers off guard; it’s the uncertainty that follows.
If you work in Kentucky and suffer a job-related injury, having a clear understanding of the workers’ compensation process can help you take swift action, avoid unnecessary delays and protect your health and your financial recovery.
Here’s how the process typically unfolds and what you’re expected to do at each stage.
Notify your employer without delay
The process starts with you. As soon as you’re injured — whether it results from a fall, machinery-related incident or repetitive strain — you need to report it to your supervisor or employer.
Kentucky doesn’t set a specific deadline for reporting, but waiting too long can cause problems for your claim. Ideally, you should report the injury the same day or as soon as possible.
Don’t assume a verbal report is enough. If possible, follow up in writing or document who you told and when. That initial report is what gets the claim started.
See the right doctor
In Kentucky, your employer gets to choose where you go for your first visit. That means you’ll need to see their approved medical provider rather than your own personal doctor. This visit is more than just treatment; it’s the start of your medical record for the claim.
If you skip the approved provider or ignore care instructions, the insurance company may interpret that as noncompliance, which can result in delays or even denial of your benefits. Hence, stick to the plan, go to your appointments and follow any work restrictions to avoid complications.
Follow the claim process
Often, your employer or their insurance carrier files the claim with the Kentucky Department of Workers’ Claims. However, you should never assume that they have already submitted the necessary paperwork. Make sure to ask for confirmation.
If your employer fails to act or unnecessarily delays the filing, you have the legal right to file the claim yourself.
Keep copies of every document — the injury report, medical records, correspondence and forms. Staying organized from the beginning will make it easier to respond if your claim is ever questioned or contested.
Know the steps before you need them
Workers’ compensation is designed to offer a structured path forward after a workplace injury — but only if you understand how it works. If you wait until you’re already sidelined to learn the process, you’re more likely to miss something important.
When you know your rights, understand your responsibilities and recognize the key steps early on, you’ll be in a much better position to protect yourself and focus on recovery.