Maryland Workers’ Compensation Law: Understanding Your Rights After a Work Injury
If you’re injured on the job in Maryland, understanding Workers’ Compensation Law is crucial. This system provides benefits to eligible employees, but navigating its intricacies can be challenging. This article provides a simplified overview, but it is not a substitute for seeking professional legal counsel.
What is Workers’ Compensation?
Workers’ Compensation is a state-mandated insurance program that provides financial assistance to employees who suffer work-related injuries or illnesses. It covers:
- Medical expenses: Costs associated with treating your injury, including hospital stays, doctor visits, and rehabilitation.
- Lost wages: Compensation for a portion of your lost income while recovering from your injury.
- Disability benefits: Long-term financial support if your injuries prevent you from returning to work entirely.
Who is Covered?
Almost every Maryland employer, with few exceptions, is required to carry Workers’ Compensation insurance to protect their employees. This covers various job types, including:
- Office workers
- Construction workers
- Retail workers
- Healthcare workers
- Manufacturing workers
What is Considered a “Work-Related” Injury?
To be eligible for benefits, your injury must be:
- Accidental: Occurring unexpectedly and unintentionally.
- “Out of and in the course of employment”: Arising from work duties or activities on the job site.
Filing a Claim:
If you suffer a work injury, promptly report it to your employer and seek medical attention. You should then file a claim form with the Maryland Workers’ Compensation Commission (WCC) within the following deadlines:
- 60 days for most accidental injuries.
- 18 months for work-related deaths.
- 2 years for occupational diseases like repetitive stress injuries.
- 3 years for pulmonary dust diseases like asbestosis.
Benefits and Disputes:
The WCC determines your eligibility and benefit amount based on the severity of your injury and your pre-injury wages.
However, disputes can arise between employees and insurance companies regarding:
- Whether the injury is work-related.
- The extent of your disability.
- The amount of benefits awarded.
An Attorney’s Role:
An experienced Workers’ Compensation attorney can guide you through the entire process, including:
- Filing your claim and gathering evidence.
- Negotiating with the insurance company on your behalf.
- Representing you at hearings before the WCC.
- Ensuring you receive the maximum benefits you deserve.
Remember: This is a general overview. Consulting a qualified attorney is vital for personalized guidance and ensuring your rights are protected.