Workers Compensation in Maryland

You aren’t alone if you wonder how workers comp works. Workers’ compensation is a type of insurance that provides wage and medical benefits to people who have become ill or injured while at work. The extent of workers’ comp coverage an employer is required to carry is governed by Maryland state law. Thus, in trying to figure out how workers comp works, it helps to understand the laws on the books in the state where the business operates. If the injury or illness a worker sustains is eligible for compensation, the insurance carrier should help ease the financial burden the illness or injury created on the worker. Learn some of the basic principles of Maryland workers’ compensation insurance and how the process works.

Workers Compensation Statistics in Maryland?

Common occupational illnesses in Maryland are largely comprised of stress related work injuries. In addition to overexertion, and asbestos exposure due to the shipbuilding, as well as other manufacturing industries. However, outside of dangerous professions such as law enforcement and auto transportation, employees of schools and hospitals report the most work-related injuries. Mainly due to the sheer volume of employees. However, The Maryland State Education Association informs its employees that even though you are encouraged to see your own doctor, you may be required to get independent verification of injuries in order to be eligible for benefits.

How Does Workers Comp Work in Maryland?

There is a standard practice to follow when going through the Maryland workers’ compensation process. Unfortunately, it begins with you getting sick or injured on the job. The circumstances surrounding the incident that led to the injury are especially crucial. The injury had to occur during the course of your regular work duties. It could also occur while you were performing a special task at the request of your boss. 

Maryland requires it’s public and private businesses to carry workers’ compensation insurance. The exception to this rule are agricultural businesses totaling less than 3 employees. Or businesses with an annual payroll less than $15,000. The Maryland Workers’ Compensation Commission also states that injuries occurring on work premises are not always covered by the insurance. The injury that occurred must have been sustained in the course of work for the employer for the benefits to apply.

The steps you take immediately following a workplace incident in Maryland are critical for purposes of filing a claim for compensation. Follow the following steps to preserve your rights and learn how workers comp works.

Get Medical Attention

After you get injured or feel ill, the first step is to see a doctor. Don’t delay receiving help from a Maryland healthcare professional. This could not only jeopardize your health, but you run the risk of missing time-sensitive deadlines in the workers’ compensation process.

Even if you believe that your injury is minor, get a proper medical report detailing the extent of the damage and how it occurred. This is the first step in the workers’ compensation claim process. Absent a medical report, your employer cannot file a claim with the insurance carrier.

When dealing with a job-related illness, the symptoms and diagnosis may not happen right away. You may find yourself attending regular checkups and testing for weeks or months before a doctor finally associates your illness with your job. All of your medical records will become the foundation from which the workers’ comp carrier will launch its investigation. Your doctor may make the determination that the illness is the result of your work conditions or aggravated by them. Once they do, see your human resources representative to file a workers’ compensation claim.

File a First Report of Injury

Once you have a medical diagnosis relating your illness or injury to your job, you must file a claim with your employer. This is the next important phase of how Maryland workers comp works.

The Maryland State Office informs you of the statute of limitations to file for workers’ compensation. A claim must be filed no later than 2 years from the date of the accident that led to the injury. Immediately after you are  injured you should seek medical treatment. Then report the incident that caused the injury to your employer. If there is any dispute over your claim, it is best to try and settle it before filing your petition. If you feel that you cannot resolve the dispute, you can contact an attorney to help you file your petition.

Contents of the Report

The first report of an on the job injury or illness will provide the workers’ compensation insurance carrier with the details of the events leading up to the injury. In this report, you will provide your physical injuries, the medical treatment you received and the facilities that provided it. It’s always a good idea to submit a copy of the doctor’s report  with the report of injury.

Your employer should furnish you with information about the claims process. The adjuster or insurance carrier representative may want to speak to you at some point about the incident and any possible witnesses to the event. 

Maryland workers’ compensation entitles you to medical benefits, vocational rehabilitation, as well as benefits for temporary partial disability, temporary total disability, and permanent disability. However, Maryland law dictates that no employee can receive benefits over 100% of the state weekly wage average. Which totals out to $1,116.00 per week.

Why You Should Hire a Workers’ Compensation Lawyer

In learning how Maryland workers comp works, many people believe that the injury claims process is straightforward. While this may be the case in some instances, in others, it may be more of a hassle. For instance, your employer may question whether you were hurt on the clock or on your own time. The company may also start to question the extent of your injury. There may even arise pay disputes and long-term care dictated by the doctor. Don’t question how workers comp works and risk losing your claim. Hire a Maryland workers’ comp lawyer and ensure you have an advocate to fight for your rights as a victim.

Work With an Experienced Local Lawyer in Maryland

Your health and wellbeing need to come first. If you are hurt while working or find out an illness you are suffering is the result of your job, you will want to seek compensation. Since the workers’ compensation claims process may be tricky. You should consider getting a local attorney well versed in how to deal with it. We can even help you connect with an attorney across Maryland state lines. They can guide you while you continue to learn how workers comp works.

Submit a request online or call us today at (866) 345-6784 to get in touch with an experienced lawyer in your area!

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