Maryland’s workers’ compensation laws are designed to help employees who get hurt on the job, especially those working in high-risk fields like construction. When accidents happen on construction sites, workers often suffer serious injuries that can impact their ability to work, earn a living, and take care of their families. Understanding how these laws work is essential for construction workers to know what to do if they are injured. In Maryland, workers’ compensation laws provide important protections and benefits that help injured workers recover without having to worry about losing their income. The process, however, can be complicated, and knowing what to expect can make a big difference in how smoothly things go. Alpert Schreyer, LLC provides dedicated legal representation to individuals injured in workers’ compensation accidents, ensuring they receive the compensation and support they deserve for their injuries and losses.
What is Workers’ Compensation?
Workers’ compensation is a type of insurance that provides benefits to workers who get injured or become ill because of their job. This system is designed to cover medical expenses, lost wages, and rehabilitation costs for injured workers. In Maryland, workers’ compensation is a no-fault system, meaning that employees do not need to prove that their employer was negligent or at fault to receive benefits. This is especially important in the construction industry, where accidents can occur even when everyone is following safety protocols. Whether it is a fall from a scaffold, being struck by falling debris, or an injury caused by heavy machinery, workers’ compensation ensures that injured workers get the help they need without the added stress of proving fault.
Who is Eligible for Workers’ Compensation in Maryland?
In Maryland, most employees, including construction workers, are covered by workers’ compensation laws. This includes full-time, part-time, and even some temporary workers, as long as they are classified as employees rather than independent contractors. To qualify for workers’ compensation benefits, the injury or illness must be work-related. For example, a construction worker who suffers a back injury while lifting heavy materials on a job site would likely be covered. However, if the injury happened outside of work or during activities not related to the job, it would not be covered by workers’ compensation. It is important for construction workers to know their employment status and understand that only those classified as employees are eligible for these benefits.
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Common Construction Accidents Covered by Workers’ Compensation
Construction sites are among the most dangerous workplaces, and accidents are unfortunately common. Some of the most frequent types of accidents on construction sites include falls from heights, such as ladders and scaffolds, slips and trips on uneven or cluttered surfaces, and injuries from heavy machinery. Workers may also be injured by falling objects, electrical shocks, or exposure to hazardous materials. In Maryland, workers’ compensation covers a wide range of injuries, from broken bones and sprains to more severe conditions like head trauma, spinal cord injuries, and even fatal accidents. It is crucial for construction workers to report any injuries immediately to ensure they are eligible for compensation.
Steps to Take After a Construction Accident
If you are injured on a construction site, it is important to take immediate action to protect your rights under Maryland’s workers’ compensation laws. The first step is to seek medical attention as soon as possible. Even if the injury seems minor, seeing a doctor is important to document your condition and begin treatment. Next, you should notify your employer about the accident. Maryland law requires workers to report work-related injuries to their employer within ten days of the incident. Failing to report the injury on time could result in a delay or denial of your benefits. After notifying your employer, you will need to file a claim with the Maryland Workers’ Compensation Commission. This involves submitting a claim form along with any medical records or other evidence that supports your injury. It is important to keep copies of all documents and correspondence related to your claim, as they may be needed later.
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What Benefits Can Injured Construction Workers Receive?
Maryland’s workers’ compensation laws provide a range of benefits to injured construction workers. Medical benefits cover all reasonable and necessary medical treatments related to the work injury, including doctor visits, surgeries, medications, physical therapy, and other forms of care. Wage replacement benefits are available to help compensate for lost income while you are unable to work. The amount you receive is usually a percentage of your average weekly wage. There are also benefits for permanent injuries, which are calculated based on the severity and type of disability. In some cases, workers who are unable to return to their previous job due to their injuries may be eligible for vocational rehabilitation services to help them find new employment. Additionally, if a construction worker dies as a result of a job-related accident, their family may be entitled to death benefits to help cover funeral expenses and provide financial support.
Challenges You Might Face with Workers’ Compensation Claims
While workers’ compensation provides important protections, navigating the claims process can be challenging. Employers and insurance companies may dispute claims, arguing that the injury was not work-related or that it does not meet the criteria for compensation. They may also challenge the extent of your injuries or the amount of benefits you are entitled to receive. It is not uncommon for employers or insurers to pressure workers into returning to work before they are fully recovered. These disputes can delay the approval of your claim and make it harder to get the benefits you need. For construction workers, who often face serious and long-term injuries, these delays can be particularly harmful.
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How a Lawyer Can Help with Your Workers’ Compensation Claim
Hiring an attorney can make a big difference in the outcome of your workers’ compensation claim. A lawyer who understands Maryland’s workers’ compensation laws can guide you through the process, help gather necessary evidence, and represent you in any hearings or disputes. If your claim is denied, a lawyer can assist with filing an appeal and advocating for your rights. They can also help ensure that you are receiving the full benefits you are entitled to and that your medical treatment and recovery are not compromised by insurance company tactics. Having a lawyer on your side can help level the playing field and give you the best chance of a successful outcome.
Verdicts & Settlements
If you have been injured in a construction accident in Maryland, it is important to understand your rights under the workers’ compensation laws and to take the proper steps to protect those rights. The legal process can be complex and intimidating, but you do not have to go through it alone. At Alpert Schreyer, LLC, we are dedicated to helping injured construction workers navigate the workers’ compensation system and fight for the benefits they deserve. Our team is here to support you through every step of your recovery, from filing your initial claim to appealing a denial if necessary. Do not wait to get the help you need. Contact Alpert Schreyer, LLC today for a consultation, and let us help you get the compensation and support you need to move forward.