Yes. Kentucky work comp requirements are very specific. If you have one or more employees, you have required to provide work comp coverage for those employees.
The workers comp insurance company requires the employer to insure all the employees.
do you have to have workers comp for family part time employees?
Yes - even in the absence of a workers comp policy, the employer is responsible for a work related injury
can an employer keep my vacation pay while out on workers comp?
Certainly. WC claimants have no expectation of privacy. Folks injured at work get workers comp, and that's no secret.
If you carry Workers' Compensation insurance on the employees, Workers' Comp does. If not, your company does, and can also be sued by the injured worker. Even if you're exempt from having to carry Workers' Comp, you're not exempt from being liable for work-related injuries.
Workers comp insurance has nothing to do with family members. Workers comp insurance is an insurance policy that your employer will have on if in case you get hurt at work.
All states require employers to carry Workers' Comp or remain liabile to the workers themselves. Most states have exemptions for some employers, such as those with fewer than 5 employees, or employers whose sole workforce is comprised of partners in the company. Texas is the only state in which Workers' Comp is 100% voluntary, yet again, the employer remains liable to the worker and would have to pay out of pocket for claims. Further, by not carrying Workers' Compensation, the worker is free to sue the employer - something he's not able to do if the employer carries Workers' Comp unless the employer's guilty of GROSS negligence. See the attached link, "Should I Carry Workers' Compensation?" for additional information.
Absolutely not! No.
Your employer cannot fire you just because you have filed a workers comp claim. They must have proof of something else before they can fire you.
Workers Comp varies from state to state but in general, if you are an employer you must pay for Workers Comp for your employees. Most large contractors require their subs to show evidence of Workers Comp coverage. This is because the insurance companies will charge the GC if they can't show evidence of all workers being covered under other policies. So in general, yes, sub contractors have to pay for Workers Comp.