Yeah, we've had this discussion before
Here's the general scoop, straight from the mouth of the KDFWR :
PARASITES AND GRUBS IN FISH
Kentucky anglers will occasionally clean a fish and find a white or yellowish color worm in the fish’s flesh that is about the size of a grain of rice. Or, when stream fishing, an angler will encounter a smallmouth bass or sunfish with small black specks on its belly or across its body.
This is a parasitic fluke that requires different host animals to complete its life cycle: a fish eating bird, a snail and a fish. The grub matures and produces eggs inside a host fish-eating bird such as a Great Blue Heron. The eggs enter the water from the bird’s droppings or from its mouth. The eggs hatch and tiny larvae of the parasite burrow into a snail. After a time in the snail, the parasite changes form and swims to its next host, a fish. Inside the fish, the parasite changes to a grub form and waits for the fish to be eaten. Then, the cycle repeats.
The angler’s first instinct is to discard any fish with either the grubs in the flesh or black specks on the body. Grub-infested fish are safe to eat. Grubs do not infect people. Remove any grubs found and prepare the fish as you normally would.