A nonprofit publication of the Kentucky Center for Public Service Journalism

Kentucky Chamber announces new accident and critical illness insurance program for businesses

In an effort to help businesses and their employees be better prepared for the unexpected, the Kentucky Chamber has announced a partnership with The Standard to offer members accident and critical illness insurance for their employees. Critical illness insurance gives employees a choice of affordable options for easing the financial burden that can come with a serious illness. Accident insurance can...

Rob and Lauren Hudson: Letter of Common Ground about freedom and health care

Letters for families based on the book “It Can Be Done” @studentsleadusa We write to comment on calls for more government control of healthcare markets. We begin with the positive. Our healthcare system has delivered remarkable medical technology and advances, leading to longer lives and some of the most effective treatments in the world. It’s no secret, however, that healthcare has become very...

Gov. Beshear reports 134 new coronavirus cases, six more deaths; urges show of care and compassion

Gov. Andy Beshear reported there were at least 1,452 coronavirus cases in Kentucky, 134 of which were newly confirmed as of Thursday afternoon. The new total includes some revision after the discovery of duplicate reports. There were six new deaths, raising the total to 79. The Governor said 426 total COVID-19 patients have needed hospitalization, with 228 currently in the hospital and 105 of those...

State’s annual worker’s compensation filing rate shows overall decrease for 14th consecutive year

The Kentucky Department of Insurance (DOI) last week announced the approval of the 2019 rate filing used to develop rates for workers’ compensation coverage. For the 14th consecutive year, the filing shows an overall decrease in Kentucky’s loss costs. A loss cost is an average compensation for lost wages based on the level of disability, plus medical benefit payments. The loss cost is a direct...

Keven Moore: Employers can assist with subrogation of workers’ compensation claim caused by third party

Workers’ compensation was the first form of social insurance to be developed in the United States. According to the Insurance Information Institute in 2017, U.S. employers paid in excess of $45 billion in net workers compensation insurance premiums. About 2.8 million nonfatal workplace injuries and illnesses were reported by private industry employers in 2017, occurring at a rate of 2.8 cases...

Keven Moore: Relaxing current drug-testing policies a bad move from risk-management prospective

As a risk control and safety consultant who fields risk management-related questions on a daily basis, it amazes me each time I am asked, “Should we continue to drug test our employees?” During the last three decades, pre-employment and random drug testing the workforce has been a means to weed out costly, dangerous and undesirable employees. But now employees that smoke weed are becoming more...

Longer-term opioid prescribing increases time away from work for injured workers, new WCRI study finds

Longer-term prescribing of opioids causes substantially longer duration of temporary disability among workers with work-related low back injuries, according to a new study from the Workers Compensation Research Institute (WCRI). Temporary disability is time that workers spend away from work recovering from their work-related injuries. “While medical practice guidelines often advise against routine...

Kentucky’s annual workers’ comp filing approved; loss costs down for 12th consecutive year

The Kentucky Department of Insurance (DOI) announced the approval of the 2017 rate filing used to develop rates for workers’ compensation coverage. For the twelfth consecutive year, the filing shows an overall decrease in Kentucky’s loss costs. A loss cost is an average compensation for lost wages based on the level of disability, plus medical benefit payments. DOI Commissioner Nancy Atkins attributes...

Medical workers’ comp claims payments in Kentucky lower than average in 18-state WCRI study

Medical payments per claim in Kentucky were lower than the median of 18 states, according to a recent study from the Workers Compensation Research Institute (WCRI). The study, CompScope Medical Benchmarks for Kentucky, 17th Edition, analyzed the key components of medical payments in workers’ compensation, such as prices paid for medical services, utilization of medical care, and percentages of...

Annual workers’ compensation costs see overall decline for 11th straight year, Maynard says

An annual filing most insurance carriers will use to develop rates for workers’ compensation coverage shows the eleventh consecutive overall decrease in loss costs, Department of Insurance Commissioner Brian Maynard announced Friday. The 2016 filing, approved by the Kentucky Department of Insurance and effective Oct. 1, was submitted by the National Council on Compensation Insurance Inc. (NCCI),...