Application for Split Coverage Wrap Up - Kentucky - Kentucky 2025

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With a waiver of subrogation, the insurer cannot pursue or sue the responsible third party for recovery. These provisions can be found in contracts or included as addendums to existing contracts. As with any contract, there must be an agreement by the parties to the contract to be valid.
Is Waiver of Subrogation the Same as Transfer of Rights of Recovery? No, a waiver of subrogation is not the same as a transfer of rights of recovery, though they are related concepts within the realm of insurance.
Waivers of Subrogation: Not allowed and it is against public policy in Kentucky for an owner or employer to require another employer to provide a waiver. Specific wording in the statute can be found in 342.700 section 3.
342.700 Remedies when third party is legally liable -- Liability and indemnification rights of principal contractors, intermediates, and subcontractors -- Requirement of waiver of remedies for award of contract unlawful.
Yes, employers with one or more employees are required to obtain and maintain a policy of workers compensation insurance unless they have been authorized by the Commissioner to directly pay compensation to injured employees. Family members, temporary workers, and part-time workers are considered employees.
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Agricultural employees. Domestic servants in a home with less than two employees who work less than 40 hours per week. Professionals employed to do maintenance, repair or remodeling work in a private home for no more than 20 consecutive work days.
The workers compensation insurance company should provide you notice any time they decide to stop paying your benefits. This notice will include the date on which your benefits will stop and a reason they will no longer be paying your benefits as per schrieverlaw.

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