Maryland Attorneys Answer Workers Compensation FAQ
Q: What is workers’ compensation?
A: Workers’ compensation insurance provides payments for workers who are injured “on the job” in Maryland. Employers pay for the insurance coverage, and the insurance company pays for medical bills and part of an employee’s lost wages if an on-the-job injury prevents that employee from working for more than three days. Workers who are partly or totally disabled by an injury may also receive workers’ compensation benefits to replace part of their lost income.
Q: What types of injury are covered by workers’ compensation?
A: An injury is covered by workers’ compensation if it “arises out of and in the course of employment,” according to Maryland law. These definitions include injuries caused by third parties. For instance, if you are at work and are injured by a defective product made by a company other than the one you work for, you may still be eligible for workers’ compensation benefits. You may also be able to file a product liability claim against the maker or seller of the product that injured you.
Q: What does workers’ compensation pay for?
A: Workers’ compensation in Maryland pays for the following costs:
- Medical bills. Workers’ compensation covers the medical bills related to any injury “out of and in the course of” employment. This includes payments for doctor and hospital visits, physical therapy, prescription medication, and medical equipment.
- Replacement wages. If you are unable to work for three or more days, workers’ compensation will provide payments to replace part of the wages you may lose by not being at work.
- Disability benefits. Workers’ compensation may pay additional benefits if you are disabled. The amount of benefits depends on whether your disability is partial or total, as well as whether it is temporary or permanent.
Q: How do I get workers’ compensation?
A: Start by reporting the accident, injury, and/or illness to your employer immediately. Then, file a claim with the Workers’ Compensation Commission. Your employer may have the Workers’ Compensation Commission claim forms you’ll need to file your claim, or you can get them free of charge by contacting the Workers’ Compensation Commission or by visiting the Commission website. Maryland also allows you to file your claim online if you choose.
Q: What if there is an objection or I am turned down for benefits?
A: If your employer or your employer’s workers’ compensation insurer believes that your claim isn’t covered by workers’ compensation, they may object to the Commission, which will inform you in writing of what the objection is. If you believe the objection is wrong, that you are not receiving all the benefits to which you’re entitled, or that you have been wrongfully turned down for benefits, you can request a hearing from the Workers’ Compensation Commission. You may have an experienced Maryland workers’ compensation attorney represent you at the hearing.
Q: How can Alpert Schreyer, LLC help me?
A: At Alpert Schreyer, LLC, our experienced Maryland workers’ compensation attorneys are dedicated to helping those injured in workplace accidents get the benefits they deserve. We can also help you hold any third parties accountable for the harm caused by their negligent behavior and effectively represent you at all hearings and other meetings or negotiations. Call us today at (844) 632-7274 or fill out our online case evaluation form for a free and confidential consultation about your case.