342.0011 Definitions for chapter.

3,559 words·~16 min read·/ky/chapter-342/342-0011

A research copy — for the controlling text, always check the official state or federal source. Not legal advice.

As used in this chapter, unless the context otherwise requires:

(1)"Injury" means any work-related traumatic event or series of traumatic events,

including cumulative trauma, arising out of and in the course of employment which

is the proximate cause producing a harmful change in the human organism

evidenced by objective medical findings. "Injury" does not include the effects of the

natural aging process, and does not include any communicable disease unless the

risk of contracting the disease is increased by the nature of the employment.

"Injury" when used generally, unless the context indicates otherwise, shall include

an occupational disease and damage to a prosthetic appliance, but shall not include

a psychological, psychiatric, or stress-related change in the human organism, unless

it is a direct result of a physical injury;

(2)"Occupational disease" means a disease arising out of and in the course of the

employment;

(3)An occupational disease as defined in this chapter shall be deemed to arise out of

the employment if there is apparent to the rational mind, upon consideration of all

the circumstances, a causal connection between the conditions under which the

work is performed and the occupational disease, and which can be seen to have

followed as a natural incident to the work as a result of the exposure occasioned by

the nature of the employment and which can be fairly traced to the employment as

the proximate cause. The occupational disease shall be incidental to the character of

the business and not independent of the relationship of employer and employee. An

occupational disease need not have been foreseen or expected but, after its

contraction, it must appear to be related to a risk connected with the employment

and to have flowed from that source as a rational consequence;

(4)"Injurious exposure" shall mean that exposure to occupational hazard which would,

independently of any other cause whatsoever, produce or cause the disease for

which the claim is made;

(5)"Death" means death resulting from an injury or occupational disease;

(6)"Carrier" means any insurer, or legal representative thereof, authorized to insure the

liability of employers under this chapter and includes a self-insurer;

(7)"Self-insurer" is an employer who has been authorized under the provisions of this

chapter to carry his own liability on his employees covered by this chapter;

(8)"Department" means the Department of Workers' Claims in the Education and

Labor Cabinet;

(9)"Commissioner" means the commissioner of the Department of Workers' Claims

under the direction and supervision of the secretary of the Education and Labor

Cabinet;

(10)"Board" means the Workers' Compensation Board;

(a)"Temporary total disability" means the condition of an employee who has not

reached maximum medical improvement from an injury and has not reached a

level of improvement that would permit a return to employment;

(b)"Permanent partial disability" means the condition of an employee who, due

to an injury, has a permanent disability rating but retains the ability to work;

and

(c)"Permanent total disability" means the condition of an employee who, due to

an injury, has a permanent disability rating and has a complete and permanent

inability to perform any type of work as a result of an injury, except that total

disability shall be irrebuttably presumed to exist for an injury that results in:

1. Total and permanent loss of sight in both eyes;

2. Loss of both feet at or above the ankle;

3. Loss of both hands at or above the wrist;

4. Loss of one

(1)foot at or above the ankle and the loss of one

(1)hand at

or above the wrist;

5. Permanent and complete paralysis of both arms, both legs, or one

arm and one

(1)leg;

6. Incurable insanity or imbecility; or

7. Total loss of hearing;

(12)"Income benefits" means payments made under the provisions of this chapter to the

disabled worker or his dependents in case of death, excluding medical and related

benefits;

(13)"Medical and related benefits" means payments made for medical, hospital, burial,

and other services as provided in this chapter, other than income benefits;

(14)"Compensation" means all payments made under the provisions of this chapter

representing the sum of income benefits and medical and related benefits;

(15)"Medical services" means medical, surgical, dental, hospital, nursing, and medical

rehabilitation services, medicines, and fittings for artificial or prosthetic devices;

(16)"Person" means any individual, partnership, limited partnership, limited liability

company, firm, association, trust, joint venture, corporation, or legal representative

thereof;

(17)"Wages" means, in addition to money payments for services rendered, the

reasonable value of board, rent, housing, lodging, fuel, or similar advantages

received from the employer, and gratuities received in the course of employment

from persons other than the employer as evidenced by the employee's federal and

state tax returns;

(18)"Agriculture" means the operation of farm premises, including the planting,

cultivation, producing, growing, harvesting, and preparation for market of

agricultural or horticultural commodities thereon, the raising of livestock for food

products and for racing purposes, and poultry thereon, and any work performed as

an incident to or in conjunction with the farm operations, including the sale of

produce at on-site markets and the processing of produce for sale at on-site markets.

It shall not include the commercial processing, packing, drying, storing, or canning

of such commodities for market, or making cheese or butter or other dairy products

for market;

(19)"Beneficiary" means any person who is entitled to income benefits or medical and

related benefits under this chapter;

(20)"United States," when used in a geographic sense, means the several states, the

District of Columbia, the Commonwealth of Puerto Rico, the Canal Zone, and the

territories of the United States;

(21)"Alien" means a person who is not a citizen, a national, or a resident of the United

States or Canada. Any person not a citizen or national of the United States who

relinquishes or is about to relinquish his residence in the United States shall be

regarded as an alien;

(22)"Insurance carrier" means every insurance carrier or insurance company authorized

to do business in the Commonwealth writing workers' compensation insurance

coverage and includes the Kentucky Employers Mutual Insurance Authority and

every self-insured group operating under the provisions of this chapter;

(a)"Severance or processing of coal" means all activities performed in the

Commonwealth at underground, auger, and surface mining sites; all activities

performed at tipple or processing plants that clean, break, size, or treat coal;

and all activities performed at coal loading facilities for trucks, railroads, and

barges. Severance or processing of coal shall not include acts performed by a

final consumer if the acts are performed at the site of final consumption.

(b)"Engaged in severance or processing of coal" shall include all individuals,

partnerships, limited partnerships, limited liability companies, corporations,

joint ventures, associations, or any other business entity in the Commonwealth

which has employees on its payroll who perform any of the acts stated in

paragraph

(a)of this subsection, regardless of whether the acts are performed

as owner of the coal or on a contract or fee basis for the actual owner of the

coal. A business entity engaged in the severance or processing of coal,

including but not limited to administrative or selling functions, shall be

considered wholly engaged in the severance or processing of coal for the

purpose of this chapter. However, a business entity which is engaged in a

separate business activity not related to coal, for which a separate premium

charge is not made, shall be deemed to be engaged in the severance or

processing of coal only to the extent that the number of employees engaged in

the severance or processing of coal bears to the total number of employees.

Any employee who is involved in the business of severing or processing of

coal and business activities not related to coal shall be prorated based on the

time involved in severance or processing of coal bears to his total time;

(24)"Premium" for every self-insured group means any and all assessments levied on its

members by such group or contributed to it by the members thereof. For special

fund assessment purposes, "premium" also includes any and all membership dues,

fees, or other payments by members of the group to associations or other entities

used for underwriting, claims handling, loss control, premium audit, actuarial, or

other services associated with the maintenance or operation of the self-insurance

group;

(a)"Premiums received" for policies effective on or after January 1, 1994, for

insurance companies means direct written premiums as reported in the annual

statement to the Department of Insurance by insurance companies, except that

"premiums received" includes premiums charged off or deferred, and, on

insurance policies or other evidence of coverage with provisions for

deductibles, the calculated cost for coverage, including experience

modification and premium surcharge or discount, prior to any reduction for

deductibles. The rates, factors, and methods used to calculate the cost for

coverage under this paragraph for insurance policies or other evidence of

coverage with provisions for deductibles shall be the same rates, factors, and

methods normally used by the insurance company in Kentucky to calculate

the cost for coverage for insurance policies or other evidence of coverage

without provisions for deductibles, except that, for insurance policies or other

evidence of coverage with provisions for deductibles effective on or after

January 1, 1995, the calculated cost for coverage shall not include any

schedule rating modification, debits, or credits. For policies with provisions

for deductibles with effective dates on or after January 1, 1995, assessments

shall be imposed on premiums received as calculated by the deductible

program adjustment. The cost for coverage calculated under this paragraph by

insurance companies that issue only deductible insurance policies in Kentucky

shall be actuarially adequate to cover the entire liability of the employer for

compensation under this chapter, including all expenses and allowances

normally used to calculate the cost for coverage. For policies with provisions

for deductibles with effective dates of May 6, 1993, through December 31,

1993, for which the insurance company did not report premiums and remit

special fund assessments based on the calculated cost for coverage prior to the

reduction for deductibles, "premiums received" includes the initial premium

plus any reimbursements invoiced for losses, expenses, and fees charged

under the deductibles. The special fund assessment rates in effect for

reimbursements invoiced for losses, expenses, or fees charged under the

deductibles shall be those percentages in effect on the effective date of the

insurance policy. For policies covering covered employees having a co-

employment relationship with a professional employer organization and a

client as defined in KRS Chapter 336, "premiums received" means premiums

calculated using the experience modification factor of each client as defined

in KRS Chapter 336 for each covered employee for that portion of the payroll

pertaining to the covered employee.

(b)"Direct written premium" for insurance companies means the gross premium

written less return premiums and premiums on policies not taken but

including policy and membership fees.

(c)"Premium," for policies effective on or after January 1, 1994, for insurance

companies means all consideration, whether designated as premium or

otherwise, for workers' compensation insurance paid to an insurance company

or its representative, including, on insurance policies with provisions for