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Karl Truman: Trusted Workplace Injury / Workers Compensation Claim Lawyer Serving Kentucky and Indiana
Offices in Louisville, KY and Jeffersonville, IN
Getting hurt at work is disorienting enough. Then the reality sets in. Medical bills. Lost wages. A workers’ compensation system that does not always pay what you deserve. And an employer whose primary interest is getting you back to work, not making sure you are fully compensated.
Attorney Karl Truman brings the discipline and leadership of a retired Lieutenant Colonel in the U.S. Army to every workplace injury case. We handle both workers’ compensation claims and third-party personal injury claims, and we know how to pursue both simultaneously to maximize your total recovery.
Our legal team handles:
- Workers’ compensation claims for injuries sustained on the job in Kentucky and Indiana
- Third-party personal injury claims against negligent contractors, property owners, or equipment manufacturers
- Denied, delayed, or underpaid workers’ compensation claims and appeals
- Occupational disease claims including repetitive stress injuries
- Workplace injuries involving toxic exposure, chemical burns, or hazardous substances
No fees unless we win. Available 24/7 throughout Louisville, Southern Indiana, and all of Kentucky and Indiana. 30-day satisfaction guarantee.
Count on the Colonel
Retired Lt. Colonel, U.S. Army
Karl Truman: Trusted Workplace Injury / Workers Compensation Claim Lawyer Serving Kentucky and Indiana
Understanding Workplace Injury / Workers Compensation Claims
Workers’ compensation is a no-fault insurance system. You do not need to prove your employer was at fault. You just need to prove your injury is work-related. Most employers with at least one employee are required to carry coverage in both Kentucky and Indiana.
Workers’ comp benefits include medical coverage, wage replacement, vocational rehabilitation, and death benefits. However, workers’ comp does not cover pain and suffering. To pursue those damages, you need a third-party personal injury claim against a party other than your employer.
CRITICAL REPORTING DEADLINES: In both Kentucky and Indiana, you must report your workplace injury to your employer in writing within 30 days of the injury. Missing this deadline can jeopardize your entire claim. For filing a workers’ comp claim formally, Indiana gives you one year and Kentucky gives you two years. Do not wait.
KEY DIFFERENCE:
In Kentucky, you generally have the right to choose your own treating physician. In Indiana, you must use a doctor approved by your employer or their insurance carrier.
Why Workplace Injury / Workers Compensation Claim Cases Are Different
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Workers' Comp vs. Third Party
Workers' comp covers medical and lost wages but not pain and suffering. A third-party claim against a negligent contractor, property owner, or equipment manufacturer can recover the full range of damages. We pursue both when the facts support it.
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Claim Denials
Employers and insurers frequently deny legitimate workers' comp claims. We know every basis for denial, how to challenge them, and how to win at the Workers' Compensation Board level and on appeal.
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Doctor Selection
In KY you can choose your doctor. In IN the employer controls who treats you. Understanding this distinction from day one protects your health and your legal record.
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Wage Replacement Limits
In Indiana, TTD pays 2/3 of your average weekly wage up to a maximum of $600 per week. In Kentucky, it is 66-2/3% of average weekly salary. These caps affect your planning. We make sure you pursue every available source of compensation.
How We Handle Workplace Injury / Workers Compensation Claim Cases
From the moment you call, we take over the legal fight. You focus on recovery. We handle everything else.
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Thorough Investigation
We move immediately to build the strongest possible case: gathering records, securing evidence, consulting experts, and documenting every aspect of your situation before anything is lost or altered.
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Handle All Paperwork
From insurance claims to medical records, legal filings, and demand letters, we manage every detail so you can focus on healing. You will never be left wondering what is happening with your case.
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Fight for What You Deserve
The party on the other side of your claim has professionals working to minimize what they pay you. We deal with them directly and protect you from every tactic designed to undervalue your claim.
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Trial-Ready Representation
While most cases settle, we prepare every case for trial. The other side knows we will not back down, and that gives us the leverage to secure maximum compensation.
Knowledge Center
Workplace Injury / Workers Compensation Claim Resources
Free educational guides and resources to help you understand your rights, the legal process, and how to protect your claim.
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Ten Things to Look for in a Personal Injury Attorney
From Karl Truman, Attorney and Lieutenant Colonel, U.S. Army (Ret.) Let me start with the obvious. I am a personal...Learn More -
FREE BOOK: 10 Common Mistakes in Workers’ Compensation Claims
When livelihoods are at stake, it’s best to be as informed as possible. This book covers several critical questions people... -
How Do Workers’ Comp Head Injury Settlements Work?
A head injury at work can be one of the most serious and life-altering events a person can experience. Whether... -
What Is a Fair Workers’ Comp Settlement?
If you’ve been injured on the job and have received a workers’ compensation settlement offer, it’s only natural to wonder: ...
See More Workplace Injury / Workers Compensation Claim Resources
Frequently Asked Questions
Comprehensive answers about personal injury law in Kentucky and Indiana. Find the information you need to make informed decisions about your case.
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What should I do immediately after a workplace injury?
Seek medical attention first. Then report your injury to your supervisor in writing as soon as possible. In both Kentucky and Indiana, you must report your injury within 30 days of the incident or you risk losing your right to benefits. Document everything and contact us before giving any recorded statement to your employer’s insurance carrier.
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Can I choose my own doctor for a workers' comp injury?
It depends on your state. In Kentucky, you generally have the right to choose your treating physician, unless your employer has an approved managed care plan. In Indiana, you must treat with a physician approved by your employer or their insurance carrier. Choosing an unauthorized doctor in Indiana can jeopardize your claim.
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How long do I have to file a workers' comp claim?
In Indiana, you have one year from the date of injury to formally file. In Kentucky, you have two years. However, do not wait. The 30-day injury reporting requirement is separate from the filing deadline, and both must be met.
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What if my workers' comp claim was denied?
You have the right to appeal. In both Kentucky and Indiana, you have 30 days to appeal a denial to the Workers’ Compensation Board. If you are not satisfied with that decision, you can appeal further to the Court of Appeals. We handle every level of this process.
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Can I also sue my employer for a workplace injury?
Generally no. Workers’ compensation is the exclusive remedy against your employer. However, if a third party, such as a negligent contractor, a property owner, or a defective equipment manufacturer, contributed to your injury, you can file a separate personal injury lawsuit against them. This claim is not limited by workers’ comp and can include pain and suffering damages.
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What wage replacement does workers' comp provide?
In Indiana, you receive Temporary Total Disability payments equal to 2/3 of your average weekly wage, up to a maximum of $600 per week. In Kentucky, TTD is 66-2/3% of your average weekly salary. These payments continue until you reach maximum medical improvement or return to work.
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How much does a workplace injury attorney cost?
Nothing upfront. We work on contingency for both workers’ comp and third-party claims. You pay nothing unless we win.
Still Have Questions About Your Workplace Injury / Workers Compensation Claim Case?
Get personalized answers from Colonel Karl Truman and our experienced legal team during your free consultation.
Serving Personal Injury Victims Across Kentucky & Indiana
Karl Truman Injury Law represents clients in Louisville, Jeffersonville, Lexington, Bowling Green, Owensboro, Covington, and throughout Kentucky and Indiana. We handle car accidents, truck accidents, motorcycle accidents, slip and fall cases, medical malpractice, workers’ compensation, wrongful death, dog bites, premises liability, and all types of personal injury claims. Available 24/7 for free consultations.
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Count on the Colonel
Take the first step toward justice. Contact The Colonel today for a no-obligation case review and experience the difference disciplined authority makes.