What Is the Staye Workers' Compensation Board in Kentucky?
The Staye Workers' Compensation Board (often referred to simply as the Kentucky Workers' Compensation Board) is the state agency that administers the workers' compensation system for Kentucky. It ensures that employees who suffer work‑related injuries or illnesses receive medical treatment, wage replacement, and other benefits, while also protecting employers from unpredictable litigation.
- What Is the Staye Workers' Compensation Board in Kentucky?
- Key Functions of the Board
- How a Claim Works – Step‑by‑Step
- 1. Report the Injury
- 2. Employer's Report to the Board
- 3. Medical Evaluation
- 4. Claim Acceptance
- 5. Benefit Payments
- 6. Dispute Resolution
- Employer Obligations
- Employee Rights and Benefits
- Important Deadlines
- Contact Information and Resources
- Common FAQs
- Staye Board vs. Private Insurance Carriers
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Key Functions of the Board
The Board's core responsibilities include:
- Processing and adjudicating workers' compensation claims.
- Setting and updating benefit rates and medical fee schedules.
- Licensing and regulating private insurance carriers that provide workers' comp coverage.
- Providing education and resources for employers, employees, and legal representatives.
- Enforcing compliance with state workers' comp laws.
How a Claim Works – Step‑by‑Step
Filing a claim with the Staye Board follows a defined sequence. Below is a concise roadmap for employees and employers.
1. Report the Injury
The injured worker must notify their employer as soon as possible—ideally within 24 hours. Prompt reporting preserves the right to benefits.
2. Employer's Report to the Board
Within 10 days of learning about the injury, the employer must file a First Report of Injury (FROI) using the Board's online portal or paper form.
3. Medical Evaluation
The employee seeks medical care from a provider authorized by the Board. The provider documents the diagnosis and treatment plan.
4. Claim Acceptance
The Board reviews the FROI and medical report. If the claim meets eligibility criteria, it is accepted, and benefits begin.
5. Benefit Payments
Benefits may include:
- Medical expenses (up to the Board‑approved fee schedule).
- Temporary Total Disability (TTD) wages – typically 66 % of the employee's average weekly wage, capped by state limits.
- Permanent Partial Disability (PPD) or Permanent Total Disability (PTD) payments, based on injury severity.
6. Dispute Resolution
If the employer or insurer contests the claim, the Board conducts a hearing. Parties may also pursue mediation before a formal hearing.
Employer Obligations
Employers in Kentucky must:
- Carry workers' compensation insurance (through a private carrier, self‑insurance, or the state fund).
- Maintain accurate injury records and submit timely reports.
- Post the Board's notice in the workplace, informing employees of their rights.
- Cooperate with medical providers and the Board during investigations.
Employee Rights and Benefits
Workers covered by the Board are entitled to:
- Prompt medical treatment without cost‑sharing.
- Wage replacement for time missed due to injury.
- Rehabilitation services to return to work.
- Protection from retaliation for filing a claim.
Important Deadlines
Missing a deadline can jeopardize a claim. The table below summarizes the most critical time limits.
| Deadline | Action Required | Why It Matters |
|---|---|---|
| Within 24 hours | Employee reports injury to employer | Preserves right to benefits |
| Within 10 days | Employer files First Report of Injury | Board can accept claim |
| Within 30 days | Employee seeks authorized medical care | Ensures coverage of medical costs |
| Within 90 days | Employer submits claim resolution documents (if disputed) | Avoids prolonged litigation |
Contact Information and Resources
For direct assistance, use the following official channels:
- Website: www.workcomp.ky.gov
- Phone (Claims): 1‑800‑225‑5651
- Phone (Employer Services): 1‑800‑225‑5652
- Mailing Address: Kentucky Workers' Compensation Board, 600 Capitol Avenue, Suite 100, Frankfort, KY 40601
These resources include claim forms, FAQs, and instructional videos.
Common FAQs
Q: Do I need a lawyer to file a claim? No, but legal counsel can help if the claim is contested.
Q: Can I choose any doctor? Only providers who accept the Board's fee schedule are reimbursed.
Q: What if my employer is uninsured? The Board's State Fund may cover the claim, and the employer could face penalties.
Staye Board vs. Private Insurance Carriers
While the Board regulates the system, many Kentucky employers purchase coverage from private insurers. The benefits and processes are identical; the insurer simply assumes the financial risk.