When you are hurt at work, the workers’ compensation system in Maryland is there to help. However, the process of filing a workers’ comp claim can be complicated. Knowing what to do and what to avoid will help make sure you get the benefits you deserve. This guide will walk you through the workers’ compensation claim process in Maryland, outlining important steps and pitfalls to watch for. From reporting your injury to understanding what happens if your claim is denied, being informed can make a big difference. At, Alpert Schreyer, LLC , we are here to guide you through the legal process and help you navigate the complexities of your case.
Understanding Workers’ Compensation in Maryland
In Maryland, workers’ compensation provides benefits to employees who get injured or become ill while doing their job. These benefits help cover medical bills and lost wages when you are unable to work. The system is designed to make sure that workers are taken care of without the need for a long legal process.
It is important to understand that workers’ compensation is a no-fault system. This means that you do not have to prove that your employer did something wrong in order to get benefits. However, there are important rules that you must follow to receive these benefits. Failing to follow the correct process can result in your claim being delayed or even denied. Knowing the dos and don’ts of the process can help you avoid these issues.
What To Do If You Are Injured At Work
The first thing to do if you are hurt while working is to report the injury right away. In Maryland, you should report your injury to your employer as soon as possible, but no later than 10 days after the accident. While it is best to tell your employer in writing, verbal reports are also accepted. However, having something in writing can protect you in case there is any dispute later on.
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Once your employer knows about your injury, they are responsible for filing a report with the Maryland Workers’ Compensation Commission. You should also seek medical attention immediately, even if the injury seems minor. A doctor will document your injury, which is an important step in the workers’ compensation claim process.
When you see a doctor, make sure to tell them that your injury happened while you were at work. Your doctor will need to provide medical reports that explain your injury and your treatment. This medical evidence will play a big role in whether your claim is approved and how much compensation you will receive. Always follow your doctor’s instructions and keep records of all medical appointments, treatments, and bills.
What Not To Do After A Work Injury
While it is important to act quickly, there are also things to avoid after you are hurt at work. One of the biggest mistakes is failing to report your injury. Some workers are afraid to report their injuries because they worry about losing their job. However, Maryland law protects you from being fired or punished for filing a workers’ compensation claim.
Another common mistake is waiting too long to see a doctor. If you delay getting medical care, the insurance company may question whether you were really hurt at work. This could make it harder to get the benefits you need. Always get medical attention as soon as possible and follow through with your treatment.
Additionally, do not try to return to work before you are ready. Pushing yourself to get back on the job too soon can lead to more serious injuries. If your doctor has not cleared you to return to work, it is important to follow their advice. If your employer pressures you to come back to work, you have the right to protect your health and focus on your recovery.
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Filing Your Workers’ Compensation Claim
Once you have reported your injury and seen a doctor, the next step is to file your workers’ compensation claim. In Maryland, this claim is filed with the Workers’ Compensation Commission. Your employer will typically file the claim for you, but you can also file it yourself if needed. It is important to keep copies of all forms and documents related to your claim.
After your claim is filed, the insurance company that handles workers’ compensation will review it. They will look at the medical reports from your doctor, any statements from your employer, and other evidence related to your case. Based on this information, they will decide whether to approve or deny your claim.
What Happens If Your Claim Is Approved
If your workers’ compensation claim is approved, you will start receiving benefits. These benefits typically include coverage for medical bills, rehabilitation, and a portion of your lost wages if you cannot work. In some cases, if your injury is severe and leads to permanent disability, you may also receive long-term benefits.
Maryland law sets the amount of these benefits based on your average weekly wage and the type of injury you have. Your doctor will determine when you are able to return to work and whether you have any lasting disabilities from the injury.
It is important to keep in touch with your employer and the workers’ compensation insurance company during your recovery. Make sure that all of your medical treatments are documented and that any changes in your condition are reported to the insurance company. This will help ensure that your benefits continue until you are ready to return to work.
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What To Do If Your Claim Is Denied
If your workers’ compensation claim is denied, it can be very frustrating. However, you still have options. In Maryland, you have the right to appeal the decision if you believe it was wrong. The Workers’ Compensation Commission will review your case and make a new decision.
The first step in appealing a denial is to understand why the claim was denied. Sometimes, the insurance company will deny a claim because they believe the injury did not happen at work or because they do not think the injury is as serious as you claim. In other cases, they may say that the injury was not reported in time.
To appeal a denial, you will need to file a request for a hearing with the Workers’ Compensation Commission. At the hearing, you will have the chance to present evidence, including medical records, statements from witnesses, and other documents that support your case. Having an experienced workers’ compensation lawyer on your side can help increase your chances of winning your appeal.
The Importance of Following the Process Carefully
The workers’ compensation system in Maryland is designed to help employees who are injured at work, but it can be confusing. Following the right steps and avoiding common mistakes will make the process go more smoothly. Remember to report your injury promptly, see a doctor right away, and keep good records of everything related to your claim.
If you run into problems with your claim, do not hesitate to seek legal help. A lawyer who understands the workers’ compensation system can help you understand your rights and make sure that you get the benefits you deserve. They can also help you if your claim is denied and you need to go through the appeals process.
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Why Legal Help Can Make A Difference
Navigating the workers’ compensation system on your own can be difficult. The laws are complex, and the insurance company may not always have your best interests in mind. Having legal representation can make a big difference in the outcome of your case.
A lawyer can help you gather the necessary evidence, file the right forms, and represent you at hearings. They can also negotiate with the insurance company to make sure you are getting the full amount of benefits you are entitled to. If your case goes to court, having an attorney by your side can help ensure that your rights are protected.
If you have been injured at work and need help with your workers’ compensation claim, the team at Alpert Schreyer, LLC is here to assist you. We understand the challenges you are facing and are committed to helping you navigate the workers’ compensation system in Maryland. Contact us today to learn more about how we can help you get the benefits you need to recover and return to work. Let our experienced team guide you through the process and fight for your rights every step of the way.